vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following unauthorized inquiries must be deleted from my consumer report immediately. I did not authorize or initiate these inquiries, and their continued presence on my report violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires consent for any credit inquiry. I did not file for this inquiry, and allowing it to remain is an act of negligence and noncompliance with federal law. This unauthorized inquiry is damaging my credit and should not be reported under any circumstances. I have escalated this matter to the FTC and am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure these unauthorized inquiries are deleted immediately and that my credit report is updated to reflect only accurate and authorized information. I demand that TransUnion delete these inquiries without delay and take the necessary steps to prevent any further unauthorized reporting. This ongoing issue has caused significant harm to my credit score and financial well-being, and I will take further action if this matter is not resolved promptly.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX used my card information outside of Debit credit Card permission form submitted. The permission for and contract advises and authorizes a onetime payment of XXXXXXXX XXXX XXXX XXXX have charged an additional XXXX to my visa ending in XXXX unauthorized. 
The merchant invoices show keyed payment No authorization was provided for the payments charged outside of XXXX. Please review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXXXXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXX  ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 XXXXXX/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 explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am the victim of an online employment scam that resulted in fraudulent charges on my PayPal Cashback Mastercard. I was contacted by individuals impersonating hiring professionals and was manipulated into making payments under false pretenses. 

The scammers sent forged PayPal emails and falsified screenshots claiming funds were pending and required additional payments to be released. These representations were false. 

Although the transactions were induced through deception and fraud, my dispute was treated as authorized activity. I reported this scam to PayPal XXXX, the Federal Trade Commission ( FTC ), and the FBI XXXX XXXX XXXX XXXX ( XXXX ). 

I am requesting that PayPal Cashback Mastercard reopen and properly investigate these transactions as fraud and correct any account impact resulting from this scam.

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding Mr. CooperXXXX XXXX XXXX  in their handling of my mortgage escrow. Mr. Cooper removed/released the tax portion of my escrow but did not remove the insurance portion, and I have been unable to get a clear, consistent explanation or a path to resolution. I have contacted Mr. Cooper multiple times via secure message and on the phone, and the information provided has been inconsistent and has not resolved the issue. 

This has created confusion about how my monthly payment is calculated, whether my insurance is being properly paid, and whether my escrow account is being administered correctly. I am concerned about the risk of missed insurance payments, incorrect billing, or erroneous escrow shortages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-16 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: CA

Complaint narrative:
I must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
We pay our homeowners insurance through escrow. Despite this, our homeowners insurance policy was canceled due to non-payment. The insurance company states they invoiced the active lender at the time but payment was not received. This resulted in a lapse in coverage through no fault of our own. Although no damage occurred, this exposed us to significant financial risk. 

We are requesting a full investigation, written proof of timely payment ( including cleared payment documentation ), and confirmation that escrow was being properly administered. 

The active lender at the time was United Wholesale Mortgage company prior to transferring our mortgage to XXXX XXXX XXXX. 

All attempts to contact United wholesale Mortgage have been unsuccessful and an automated system tells us to speak to our current lender, but the issue was in the past with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
Accident occurred in New Hampshire in XX/XX/year> I was found at fault and a Financial Responsibility promissory note is required by NH XXXX for license reinstatement The debt was sent to collections The collector induced partial payment ( approximately 33 % ) through representations that it would allow reinstatement or release of the promissory note After payment, the collector refused to release the promissory note Multiple payment arrangements were proposed verbally, then altered or withdrawn after supervisor involvement The collector refused to provide written release terms or account records Representatives mocked me, made demeaning statements, and terminated calls I have recordings of this call The continued withholding of the promissory note prevents XXXX reinstatement and causes ongoing hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-12-16 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: GA

Complaint narrative:
am submitting this complaint regarding TransUnions failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

I disputed a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a medical debt that was fully settled, paid, and deleted in XX/XX/year>. I provided documentation showing settlement and deletion by the prior collection agency. 

Despite this, TransUnion verified the account as accurate and continued reporting it as an open collection with a balance, even though the debt was not owed. The investigation result states verified as accurate ; updated, yet the account remains listed as a collection with no payment history and a past-due balance. 

TransUnion failed to ensure maximum possible accuracy and did not reasonably evaluate the documentation I submitted. Simply accepting information furnished by a debt collector without reconciling contradictory settlement records does not meet the FCRA standard for a reasonable investigation. 

As a result of this inaccurate reporting, I have experienced documented financial harm, including denial of credit line increases due to derogatory remarks. XXXX failure to correct or delete this account has prolonged and compounded that harm. 

I am requesting CFPB review of XXXX investigation process and corrective action for continued reporting of inaccurate information.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DEMAND FOR DELETION LETTER XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX, XXXX -BALANCE : {$1100.00} -XXXX  XXXX -RE : Account XXXX XXXX XXXX, XXXX -BALANCE : {$300.00} INQUIRIES : -XXXX  XXXX ( SEPTEMER XXXX ) NOTICE OF DISPUTE, DEMAND FOR VALIDATION, AND INTENT TO ENFORCE FEDERAL RIGHTS TRANSUNION Address : XXXX XXXXXXXX XXXX, State : XXXX, PA XXXX DEAR TRANSUNION, This letter serves as formal notice that I dispute the above-referenced account in its entirety pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681s-2. This account is being reported on my consumer credit reports without lawful verification, competent evidence, or permissible purpose, which constitutes violations of federal law. FAILURE TO PROVIDE PROPER VALIDATION Under 15 U.S.C. 1692g ( b ), you are required to provide strict validation, including but not limited to : 1. A copy of the original signed service agreement bearing my signature 2. Itemized billing statements proving the exact amount claimed 3. Proof of your legal authority to collect, including chain of assignment 4. Evidence the alleged debt was lawfully transferred to your company to date, no such documentation has been provided. IMPROPER CREDIT REPORTING Reporting a debt without possessing competent evidence constitutes false and misleading representation under 15 U.S.C. 1692e and unfair collection practices under 15 U.S.C. 1692f. Additionally, furnishing unverified information to consumer reporting agencies violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information known or that should be known to be inaccurate. CELL PHONE PROVIDERSPECIFIC DEFENSE Cell phone accounts are service-based agreements, not installment loans. Without a signed service contract and usage-level billing, you can not lawfully substantiate this debt. Billing summaries or internal screenshots do not meet federal evidentiary standards. DEMAND FOR IMMEDIATE DELETION Because you have failed to meet your burden of proof, I hereby demand : 1. Immediate deletion of this account from XXXX XXXX and TransUnion 2. Cessation of all collection activity 3. Written confirmation of deletion within 15 days Sincerely, 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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Company : Cash App / Block , Inc . 
Product : Peer-to-peer payment ( Cash App ) Date of transactions : XX/XX/year> Amount not returned : {$4500.00} Complaint Description : I am filing a complaint regarding Cash Apps mishandling of a dispute involving peer-to-peer payments made to my Cash App account on XX/XX/year>. 

The sender filed a fraud claim with their bank after initiating multiple payments to my Cash App account. All transactions were authorized and initiated directly from the senders own Cash App account and device. There was no unauthorized access, account takeover, or third-party compromise involved. 

As the platform where these transactions originated, Cash App has access to device-level and login data ( including device identification, session history, and authentication details ) and could clearly determine that all payments were initiated from the same device and account. Despite having this information, Cash App allowed reversals to proceed. 

Cash App later acknowledged that {$2500.00} was returned to the me due to a technical error, but the remaining {$4500.00} was not corrected or returned to me. This inconsistent handling demonstrates that the issue was not fraud, but a platform or processing error. 

Additionally, Cash App delayed resolution of the dispute to XXXX XXXX that I lost the ability to independently dispute the remaining transactions due to missed deadlines, which was outside of my control. This delay directly resulted in financial harm. 

Cash App has stated that they are required to return funds when a fraud claim is present, however no evidence of fraud exists in this case. The transactions were authorized, originated from the senders device, and do not meet the definition of unauthorized or fraudulent activity. 

Attachments include : Cash App email acknowledging a technical system error, in-app support messages confirming all transactions show XXXX XXXX, screenshots of the XX/XX/year> transactions, and written confirmation that only a partial correction ( {$2500.00} ) was issued despite all affected transactions being part of the same error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime Bank is who I was using to receive my money. My account was place on a hold Friday XX/XX/XXXX called in they told me to wait XXXX hours Sunday the account was removed from hold status then XXXX minute later was placed on the same hold Monday XX/XX/XXXX my XXXX was closed and they wouldnt provide me where my money would be sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief