vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
This morning, when I checked my credit report, I was dismayed to see the same inaccurate accounts still present. I honestly dont know why this problem hasnt been fixed yet. Refreshing my browser didnt change anything, which proves its not just a glitch. I am very frustrated, and I want the documents Ive already sent to be carefully reviewed so I wont have to keep worrying about this.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/year> a new account from XXXX XXXX XXXX for {$15.00}, XXXX was added to my credit report. I called XXXX XXXX XXXX XXXX and spoke with XXXX who explain that it was glinched going on not sure why this is happening will have it removed and send me over a letter stating this information is incorrect and will be removed from my credit report. I explain that I purchasing a house will close within 2 business days and will sue if my rate is affected because of their error. I will continue to follow up each day until its removed. I have also reached out to my attorney to find out what can we do to get this corrected. This is very stressful and this just should not happen I would like my score to go back up XXXX points that they deducted. My score went from XXXX to XXXX. This is unacceptable and horrible. Please help me get this issued resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I requested my credit get pulled to obtain a mortgage loan. I was told by equifax I do not have a credit file. I have a credit file at the other credit bureaus and have documentation showing I had a equifax credit file when pulling credit for my outstanding mortgage loan. I have called equifax XXXX times and mailed in supporting documents 4 times requesting my credit file be reinstated. I am told I do not have a credit file, so they are unable to assist me. 

I have made calls to Equifax on XX/XX/year>, XXXX and XX/XX/year>. I have mailed Equifax on XX/XX/year>, XX/XX/year> XXXX and XXXX other date I do not recall off hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am filing a complaint because the following creditors are reporting late payments on these account ending in : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this directly with the credit buraus and the furnisher, but the late payments remain without prober validation or documentation. Under 15 USC1681 S2A, a furnisher must report accurate information under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CREDIT UNION. 

My name is XXXX XXXX XXXX XXXX. I am retired XXXX, retired XXXX. 

I have had nothing but misery with NAVY questioning my transfers coming into and out of my account. I have a business and I make withdrawals. I am locked out of my NAVY ACCOUNT. 
I have been trying to get clarity on why NAVY HAS PROHIBITED ME FROM USING MY ACCOUNT. 
I can not get into my account. I am banned and I did not receive my XXXX XXXX XXXXXXXX, XXXX and mil pension to XXXX. All of my bills are declined. 

Who is on now to speak with me about this? Since XXXX I have not been able to get into my account and my XXXX XXXX XXXX  XXXX and milpension you claim I dont have. And the goal is to shut down my account. Why? 

Why am I being treated this way? I am a veteran and I do not see you helping me. NAVY wont let me get my money. my revenues come on the first day of the month. I did not get these for XXXX. WHY AM I BEING TREATED LIKE A CRIMINAL FOR USING SERVICES YOU OFFER. 
THERE WAS NOTHING WRONG WITH WITH I WAS DOING. WHY AM I BEING TREATED THIS WAY? ALL MY BILLS ARE BEING DECLINDED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX LVNV Funding LLC [ Address of LVNV Funding LLC ] XXXX XXXX XXXX XXXX XXXX Both accounts [ Address of XXXX XXXX XXXX ] Re : Cease and Desist Account No. [ Insert Account Number ] To Whom It May Concern, I am formally requesting that you cease and desist all collection activities regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, you must comply with this request. 
I dispute and do not acknowledge the validity of this alleged debt. Any further attempts to collect, beyond the notifications permitted under the FDCPA ( such as notice of intent to pursue specific legal remedies ), will be considered a violation of federal law and my consumer rights. 
This letter serves as : A demand to stop all phone calls, letters, emails, or other forms of communication with me, my family, or my place of employment. 
Notice that any continued collection efforts will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Please provide written confirmation within 30 days that you have received this request and that all collection activity has been terminated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Company : JPMorgan Chase Bank Product : Wire Transfer/International Transaction Amount : {$790000.00} What happened : Between XXXX XXXX, criminals using fake company XXXX XXXX XXXX XXXX directed me to wire {$790000.00} to XXXX XXXX XXXX accounts at JPMorgan Chase. 
In XX/XX/XXXX, JPMorgan flagged suspicious activity but still processed my {$170000.00} transfer. In XX/XX/XXXX, I provided JPMorgan complete fraud documentation and SEC confirmation that documents were forged. 
CEO of XXXX XXXX ( XXXX XXXX XXXX was arrested XX/XX/XXXXXXXX  for {$530.00} XXXX money laundering through JPMorgan accounts. My funds were part of this criminal operation. 
JPMorgan 's response : 13 months of refusal to investigate Demands " official XXXX authority contact '' Ignores documented fraud evidence Final rejection XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I paid the sales taxes on a phone that I never received from XXXX XXXX. I never received confirmation that the phone was delivered but I received a bill for XXXX for the phone. I contacted XXXX XXXX letting them Know that I never received the phone and that I need to know where the phone was delivered. XXXX XXXX told me that the phone was activated and delivered and I told them that someone obviously had the phone and that the phone needs to be tracked.I was told that an investigation will take place and that I dont have to worry about receiving a bill and that I dont have to worry about the amount they are claiming that I owe for the phone to go on my credit report. About a month ago around XX/XX/XXXX a credit report was conducted and XXXX XXXX sold the debt to SOURCE RECEIVABLES XXXX  And I contacted them disputing the debt and they denied the dispute stating that it does belong to me. This isnt right I have tried contacting XXXX numerous of times about this issue and they told me that they XXXX see an account under my name. This is affecting my credit report and I need this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX TransUnion XXXXXXXX  XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized and Fraudulent Credit Inquiries under FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized and fraudulent credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish my credit report to parties with a permissible purpose. I have not authorized nor provided any consent for the inquiries listed below : * Here is a of all unauthorized inquiry here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Because these inquiries were made without my knowledge or consent, they are in violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, the inclusion of these fraudulent inquiries harms my creditworthiness and violates my rights under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to maintain maximum possible accuracy of consumer information. 
Accordingly, I demand that you : 1. Immediately investigate these inquiries as required under FCRA 611 ( 15 U.S.C. 1681i ). 
2. Delete all unauthorized and fraudulent inquiries from my credit report. 
3. Provide me with written confirmation of the deletion, as well as an updated copy of my credit report reflecting the removal. 
4. Provide the name, address, and permissible purpose of each entity that made these inquiries, as required under FCRA 609 ( a ) ( 1 ) & ( 3 ) ( 15 U.S.C. 1681g ). 
Please be advised that failure to comply with the FCRA may subject your agency to liability, including statutory damages, attorneys fees, and possible legal action. 
This letter serves as my formal dispute and notice of unauthorized activity. I expect your full compliance within the 30-day investigation window as required by law. 
Sincerely, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: LA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Bank errors in billing and reporting are negatively affecting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits. However, my payments were not properly recorded, calculation errors remain, and I was not given the required 21-day notice before a payment was duemaking late payment marks invalid. These errors violate federal law and unfairly damage my credit.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX bank sold my personal information to a XXXX party credit company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My ex-boyfriend is making credit card applications in several institutions, he is using my personal information without my authorization. He has my social number and he used. Your name is XXXX XXXX, your address is XXXX XXXX XXXX XXXX Tx XXXX. And your phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, New Mexico ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ LVNV FUNDING LLC ] [ XXXX XXXX XXXX XXXX ] [ XXXX South Carolina XXXX ] Re : Cease and Desist from Harassment To Whom It May Concern, I am writing to formally demand that [ LVNV funding LLC ] immediately cease and desist all forms of communication with me regarding my account that has been closed under the Fair Debt Collection Practices Act ( FDCPA ). 

I consider your repeated calls, letters, or other forms of contact to be harassing and intrusive. This harassment has caused unnecessary stress and inconvenience. 

Effective immediately, I demand that you : Cease all phone calls, emails, letters, and other means of communication to me, my family, friends, or workplace. 
Refrain from any further attempts to contact me regarding this account except as legally required, such as providing notice of specific legal actions. 

Failure to comply with this request will leave me no choice but to report your company to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also consider pursuing legal action for harassment and violations of my rights under applicable laws. 

Please provide written confirmation that you have received this letter and will comply with my demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Fraudulent credit inquiries continue to appear on my consumer report despite repeated attempts to resolve this matter through proper channels. These unauthorized inquiries have no legitimate connection to my financial activities and represent clear evidence of identity theft affecting my credit profile. The persistence of these fraudulent entries has created substantial obstacles to achieving important financial goals, including qualifying for home financing and securing favorable credit terms for my family 's essential needs. Beyond the immediate credit impact, the ongoing presence of these unauthorized inquiries has caused considerable emotional distress and undermined my confidence in the consumer credit reporting system 's ability to protect victims of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received a call from Midland Credit Management at XXXXXXXX XXXX local time from the phone number XXXX ( XXXX ) XXXX. They left a 4-second voicemail. I did not answer the call. This was an inconvenient and inappropriate time to contact me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from contacting consumers before XXXXXXXX XXXX XXXX XXXX XXXX XXXX. in the consumers time zone unless prior consent is given. I never consented to being contacted at this hour, so I believe this call was a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( last XXXX ) : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease & Desist Complaint Midland Credit Management Account in Dispute : Midland Credit Management Acct ending XXXXXXXX XXXX XXXX  To Whom It May Concern, I am submitting this complaint against Midland Credit Management ( MCM ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
MCM is furnishing derogatory information to the consumer reporting agencies that is inaccurate, misleading, and unverifiable. 
Violations Identified Failure to Provide Validation ( FDCPA 809 ( b ) ) : Despite my prior requests, MCM has failed to provide proper validation of this alleged debt, including a signed contract, complete itemization, and proof of assignment from the original creditor. Continuing to collect and report without validation violates federal law. 


False or Misleading Reporting ( FDCPA 807, 15 U.S.C. 1692e ) : MCMs reporting misrepresents the legal status of the debt by characterizing it in ways inconsistent with Metro 2 standards and original creditor records.

Inaccurate / Incomplete Reporting ( FCRA 607 ( b ) ) : The account contains discrepancies in balance, dates, and status across the credit reporting agencies. Furnishers are required to maintain maximum possible accuracy, which MCM has failed to do.

Improper Re-Aging ( FCRA 623 ( a ) ( 5 ) ) : The tradeline reflects recent updated or date reported entries inconsistent with the original Date of First Delinquency ( DOFD ). This extends the reporting period unlawfully. 


Demand for Relief I request the CFPB take immediate action to compel Midland Credit Management to : Cease all collection activity and communications regarding this account. 


Delete this account in its entirety from XXXX XXXX XXXX XXXX 


Provide written confirmation of permanent removal. 


Requested Enforcement I further request that the CFPB : Investigate Midland Credit Managements systemic violations, Impose corrective actions, and Enforce penalties where appropriate for continued noncompliance with federal law. 


This letter serves as both a formal complaint and a cease and desist demand regarding the above-referenced account. Please confirm receipt and notify me of the action taken within the regulatory timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief