vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

The accounts below have violated my rights. 
XXXX U.S.C XXXX section XXXXA. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
They are sharing my information and account to collectors without my consent nor knowledge and harassing me about a charged off account that I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They are sharing my information and account to collectors without my consent nor knowledge and harassing me about a charged off account that I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Closed account onXX/XX/XXXX. Transferred {$3800.00} from the account to another bank account but the transaction was cancelled. Since the account was closed Wells Fargo sent a cashiers check to me but I never received it. 

Then I filed a complaint but it was never resolved. Wells Fargo has stolen my {$3800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
NAVY FEDERAL CREDIT UNION publicly reports that they report account information to XXXX XXXX XXXX AND XXXX XXXX. In not doing so fairly and consistently for all of their customers they are committing fraud, misleading the public, and disseminating false information and promises to customers. 

EACH OF THE CREDIT BUREAUS NAMED SHOULD BE HELD EQUALLY RESPONSIBLE AND TAKE NOTE IN CASE THEY PLAY ANY ROLE IN WITHHOLDING THE REPORTING OF MY CREDIT INFORMATION AS IT CONCERNS NAVY FEDERAL CREDIT UNION. REPORTING OF MY INFORMATION SHOULD COMMENCE IMMEDIATELY AS IT WAS. 

With that in mind I have 5 accounts with NAVY FEDERL CU none of which are being reported to the credit bureaus as per NAVY FEDERAL 's commitment to do so. Those five accounts include ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THERE IS NO REASON MY ACCOUNTS SHOULD NOT BE REPORTING TO THE CREDIT BUREAUS. 

EACH OF THE 5 ACCOUNTS I HAVE ( SOME OPEN/SOME PAID OFF ) ARE CRITICAL TO THE WELL-BEING OF MY CREDIT STANDING AND HAD BEEN REPORTING TO THE CREDIT BUREAUS UP UNTIL OR AROUND XX/XX/year> WHEN THEY WERE ALL REMOVED FROM THE CREDIT BUREAUS WHICH RESULTED IN MY CREDIT SCORE DECREASING XXXX. MY SCORE WENT FROM XXXX TO XXXX BECAUSE OF THIS. THIS XXXX  ON BEHALF OF NAVY FEDERAL HAS RUINED MY CREDIT RATING. 

I HAVE CONTACTED NAVY FEDERAL AT LEAST HALF A DOZEN TIMES IN WRITING AND BY PHONE FOR A PLAUSIBLE EXPLANATION. I HAVE SPOKEN WITH 6 DIFFERENT REPRESENTATIVES WHO ARE CLUELESS ON THE MATTER AND UNABLE TO ASSIST AND UNWILLING TO PURSUE THE MATTER ANY FURTHER. I HAVE BEEN OFFERED NO ASSISTANCE WHATSO EVER ON THE MATTER.

I AM ENTITLED TO MY ACCOUNTSWITH NAVY FEDERAL BEING REPORTED JUST LIKE ANY OTHER CUSTOMER AND NOT TO BE DISCRIMINATED AGAINST FOR ANY REASON BY REMOVING MY ACCOUNTS FROM RECORD WITH NO EXPLANATION OR PLAUSIBLE REASON.

IT IS MY UNDERSTANDING THAT NAVY FEDERAL, IS WILLFULLY NOT REPORTING MY INFORMATION TO THE CREDIT BUREAUS AS THEY WOULD ALL OTHER CUSTOMERS AND IS THEREFORE COMMITING DISCRIMINATION AND FALSIFYING AND MISLEADING THE PUBLIC BY WRITTEN ANNOUNCEMENT THAT THEY REPORT ACCOUNT INFORMATION. 

I HAVE ATTACHED NUMEROUS SUPPORTING DOCUMENTS AS EVIDENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I discovered a collection account from LVNV Funding/ Resurgent Capital collection agency on my credit report. On XX/XX/2025, I mailed a written request asking them to validate the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I requested documentation showing the amount owed and the name of the original creditor. 

As of today, XXXX XXXX, I have not received any response or documentation from the company. Despite this, the collection agency continues to report the debt to the credit bureaus. This is a violation of my consumer rights, as they are not allowed to continue collection activity without first providing the requested verification. 


I am requesting that the agency stop all collection Request was sent certified mail-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements in the Electronic Fund Transfer ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$7500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows inquiries from companies that accessed my information without my authorization, directly damaging my credit and lowering my score. I previously contacted Equifax and was assured by a representative that these inquiries would be removed, yet they still remain. These unauthorized and potentially fraudulent actions raise serious concerns about identity theft and have caused me significant stress and anxiety. This issue demands immediate attentionthese inquiries must be thoroughly investigated and permanently removed without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I learned that my credit card account had been closed via a decline of a transaction. When I called BMO Harris about the reason for the decline, they verbally informed me that they had closed my account and cancelled all XXXX cards on the account. When I asked why they did not provide a reason, and said a letter was being sent to my house. 

I received the letter and it provides no reason. 

Upon learning of the account closure, I immediately logged on to the BMO Harris web site and redeemed all the " rewards '' point in my account via gift cards. The total value is in excess of {$2500.00}. None of the gift cards have been sent, all show as not issued on their web site in spite of the fact that I received email confirmations of the reward transactions. This is theft and fraud. 

I have had accounts with BMO Harris for over 20 years, and have a credit score higher than XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$38000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent Student Loan Reporting by MOHELA To whom it may concern, I am writing to file a formal complaint against MOHELA ( Missouri Higher Education Loan Authority ) for reporting false and fraudulent information on my credit report. I have never opened any student loan accounts with MOHELA, nor have I ever authorized them to open or service any loan on my behalf. 

Despite this, they are currently reporting student loan accounts under my name, which is a gross misrepresentation and a violation of the Fair Credit Reporting Act ( FCRA ). This is not only inaccurateit is illegal. I am being falsely associated with debt I did not incur, which is damaging my credit and potentially my financial future. 

I demand an immediate investigation into this matter, and I expect the removal of this fraudulent information from all of my credit reports. I also expect MOHELA to be held accountable for their negligent and unlawful reporting practices. 

This situation is unacceptable, and I will pursue further legal action if necessary. I will not tolerate being falsely reported and penalized for a debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC reported a fraudulent collection on my credit report on XXXXI don't have any contract or used any services with Jefferson Capital Systems , LLC. I called and disputed with them over the phone and it was not removed. I also disputed this amount of {$830.00} with the credit agencies. I need assistance with this issue and inaccurate reporting off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
See other complaint on Care Credit because not sure who messed up but threatened to send me to 3 credit agencies for a bill that was not mine.

Company response to consumer: Closed with explanation