vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Lendmark Financial Services
State: GA

Complaint narrative:
I have disputed this account with lendmark financial and after sending proof of inaccurate reporting violating my rights for almost 6 years all they did was update it now I have called them several times requesting a 1099c since they are reporting it as a charge off and they have failed to provide it. Then I was told that because it's a charge off I'm not automatically excused from the debt. I replied if you are reporting it as a charge off then a 1099c would be income and income doesn't get reported on a credit report so my requests have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 am writing to dispute certain items on my credit report that are not mine and were not authorized by me. These fraudulent entries have compromised my credit profile and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Instantly transferred {$14.00} from Cash app to chime on XX/XX/XXXX at XXXX it never even made it to XXXX  yes I verified with bank on chime side but no refund from cashapp On XXXX Cashapp refunded XXXX cent for transaction fee On XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX, currently a victim of identity theft discovered a already disputed information return back onto my report from XXXX  XXXX in the amount of {$720.00} .. " Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidenceI provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights.

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 2025-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention a hard inquiry that has been made on my credit report without my knowledge or authorization. I did not initiate or consent to any application that would warrant this inquiry, and I take this matter very seriously.

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 2025-07-09 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I received a collection on my credit report i never received a verification of debt letter this is the second time this collection agency has posted something on my credit report without a verification of debt letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I deposited XXXX checks from the US Treasury department, XXXX to my savings account in the amount of {$530.00} and it was available the same or next day. I deposited a check into my checking account in the amount of {$7900.00}. The bank released {$1500.00} to me so I could purchase a plane ticket to XXXX XXXX and to purchase clothes. The next morning at XXXX am informing me that my check deposit was being delayed in the amount of {$7900.00} of your total deposit of {$14000.00} because we have information indicating the check should be held to ensure it's processed successfully. It's a check from the US Treasury, NAVY FCU questions the validity of a US Treasury check??? Next big red flag was I didn't deposit {$14000.00}, that's the second big red flag. There is no logical reason they should have put my funds on hold, which potentially is going to cost me {$940.00} for my plane ticket and another {$200.00} for clothes I purchased for the trip. I was unable to go on the trip because Navy FCU arbitrarily decided on their own to put a hold on my funds making no funds available to me to access. I called numerous times, I went to the location for Navy FCU to speak in person to someone who could reverse the unjustified hold on my funds and was turned down each time when requesting the funds be made available. I requested a full answer to what flagged the deposit as a potentially fraudulent check was held and was never given a reason. If it isn't illegal to arbitrarily put a customer 's funds on hold for XXXX business days, it should be. A complete and full explanation why those funds are on hold should be required when requested from the bank after a customer requests it. As of this minute they will not provide me any assistance other than to tell me nobody at Navy FCU has the ability to release those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.

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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main took my information without my consent and stated i already applied for a loan and i never did at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This letter is a formal request for the removal of a falsely reported late payment from my credit report. According to my records, all payments were made on time and as agreed. The inclusion of a late payment entry is unjustified and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am a vitcim of identity theft. There are 2 credit card accounts on my 3 credit reporting agencies and 2 inquiries which are listed on the ftc report that i didnt give anyone permission or authorization to open these acocunts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XXXX XXXX To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Unauthorized Disclosure of Personal Information / Licensing Status / Demand for Remedy Dear Midland Credit Management XXXX This letter serves as formal notice and demand regarding serious concerns related to your recent actions in connection with case filed in XXXX XXXX XXXX XXXX Florida, and your ongoing collection practices. 

XXXX. Redaction of XXXX XXXX You have published my personal information in publicly accessible court records without proper redaction, in violation of privacy protections under Florida law. The disclosure of this information on the public court system is unacceptable, unwarranted, and constitutes a punitive and negligent act. 

I hereby demand that you take immediate corrective action to ensure all personal, sensitive, or identifying information is fully redacted and expunged all court filings related to this case. Please provide written confirmation that this has been done within XXXX business days of receipt of this letter. 

XXXX. Proof of Licensing in Florida You are hereby requested to provide documented proof that Midland Credit Management is currently licensed and authorized to collect debts in the state of Florida. Failure to provide this proof will be interpreted as an admission that you are acting without proper legal standing. 

XXXX. Compensation for Damages As a direct result of your failure to redact my personal information, I am demanding compensation in the amount of {$1000.00} for the privacy violation and emotional distress caused by your negligence. 

XXXX. Immediate Removal from All Credit Reporting Agencies You are also instructed to permanently remove all Midland Credit Management accounts from all consumer credit reporting agencies including but not limited to : XXXX XXXX XXXX XXXX These accounts are disputed, unvalidated, and appear to have been reported improperly. 

XXXX. No Sale or Transfer of Accounts This account may not be sold, transferred, or resold to any third party. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. Continued attempts to collect on this alleged debt without resolution of these issues will be considered willful noncompliance and subject to further legal action. 

Please respond to this letter in writing. If your office fails to comply with the above demands within 15 days, I will explore all available legal remedies, including complaints to the Florida Attorney General, the Consumer Financial Protection Bureau, and potential legal action for statutory violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account and placed a hold on my entire balance of {$1500.00}. They stated the funds would be held until XX/XX/year> due to risk of chargebacks or financial liabilities. 

However, all of the money in my account came directly from my personal Bitcoin ( crypto ) deposits. I did not sell any goods or services, and I have no customers. The only other transaction was a single transfer from a friend that I voluntarily refunded there are no open disputes or pending issues.

I contacted PayPals support on XX/XX/XXXX, and followed up, but I have received no proper response or resolution after 5+ days. I have requested that they either release my funds or explain the justification for the extended hold.

There is no valid reason to hold my funds for over a year when there is XXXX chargeback risk, and this is causing serious financial stress. I am asking for the Consumer Financial Protection Bureau to review this situation and assist in having my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received an email from Venmo that a payment was made to XXXX XXXX XXXX On Saturday XX/XX/XXXX at XXXX. By XXXX I was able to file a dispute as I did not make the payment, and it could have been quickly reversed had venmo not immediately deny my claim with no further information. I have followed the password requirements set forth by Venmo. I do not accept a denied claim when I did everything as a customer to keep my account secure yet the business failed to do the same. Please refund the {$340.00} immediately and reverse the payment to XXXX XXXX XXXX, whom i have never done business with. this can be referenced within venmo at XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XX/XX/XXXX - {$560.00} XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/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