vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Debt Collectors Failure to Respond Within 30 Days Dear Sir/Madam, I am writing to file a complaint regarding a debt collector who has failed to respond within the required 30-day period following my request for validation of the alleged debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year> ], I sent a written request to Transworld Inc asking them to provide verification of the debt they claim I owe. According to the FDCPA, they are legally obligated to provide a response within 30 days of receiving such a request. However, despite the passage of more than 30 days, I have not received any communication or validation from them.

The debt collectors failure to respond has caused me significant stress and uncertainty regarding this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal laws protecting consumers.

Please find attached copies of all relevant correspondence and documentation related to this issue.

Thank you for your prompt attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I have been reaching out to cashapp for a few weeks no to no avail. My account was suddenly closed with no explanation of why or what I could have possibly done. I have been using this service for years with no issues or fraudulent activity. I currently have XXXX $ in my account, but due to my account closure I am not able to use my cashapp card to be able to withdraw my funds and delete this account. I have only had one card linked previoudly, which is my XXXX XXXX XXXX. I can not wihtdraw to my XXXX XXXX XXXX without having my cash app card as well. The only real response I have been getting is the same automated response of how to withdraw my funds, which I am already aware of and that I need to try and link a card that has been previously linked. If it was that simple I would have withdrawn my funds without needing any help. This company has terrible customer service. They will not allow you to speak to any manager over the phone, and they are trying to say that a manager is the highest level at their company which makes no sense. I have been requesting to speak with supervisor, but they keep sending me the same email with a different " manager '' name attached. Its to the point where I have lost track of how many times I have been trying to explain my situation and why I need more help. Its like no one is reading what I am even saying and just providing automated responses. All I am asking is to have my account reinstated long enpigh to be able to add a new card and account so that I can withdraw my funds. I am not trying to reopen my account, just get my money and be done. Now they are trying to say that they will have to close my complaint even though I still have no way to receive my money and that they will use this to improve. This is ridiculous and they are now refusing to provide me a way to receive my funds and I will keep addressing this issue as I need this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$93.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
Multiple unauthorized accounts appearing on my credit report are the direct result of identity theft, and I have never granted written consent or provided any form of signature authorizing their placement. These fraudulent entries have created substantial hardship in my personal and financial life, preventing me from securing essential credit for major purchases and damaging my creditworthiness. The continued presence of these disputed items has caused ongoing stress and has interfered with my family 's financial planning and security. I am now demanding the immediate investigation and removal of these accounts, as their inclusion violates my consumer rights and misrepresents my actual credit obligations.

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 2025-09-16 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: KY

Complaint narrative:
I had a chime checking account and a chime credit builder account and it happened in XXXX of XXXX and I reached out to them since then about getting a closure check and for some reason I have no access to it they say they don't know why I explained to them that I don't have access to the emails and the phone numbers that was associated with it and if I can approve my identity somehow please let me so I can get my funds and all they do is keep it short and not tell me really anything and they keep sending me to an escalation department and that escalation department has emailed me over the years and I've given them my address to send closure checks and they never do that and I update them with all of my phone numbers and current addresses and they still do not send me my closure checks and I know that I had at least no less than {$1000.00} in the checking account and I know I had a credit builder account that had like {$600.00} on it and they say that they'll give me my closure check but they never send it and every time I call I just keep getting a run around and I never receive any information or even information to log me back into my chime account they just say that it's all closed and I have no access to any of it and yeah they have not helped me at all and I called them yesterday and I explained the situation to them I was told that someone from an escalation department would be emailing me about a closure check and I just have a bad feeling that I'm not going to get anywhere close to what they owe me that was rightfully mine and they have not emailed me at all at least before I could get an email and they would tell me that oh it would take some time to get the closure check but I'm not understanding why it would take so long and yet years later here I am still with no closure check and still no idea how I can get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My complaint concerns Navy Federal Credit Union 's refusal to allow me to open a new bank account. 
I attempted to open a checking and savings account. I was informed by Navy Federal that I am not eligible to do so until I resolve a previously charged-off debt from an account previously ( member number : XXXX ) This original debt was incurred due to severe financial hardship. I unexpectedly lost my job and was unemployed for an extended period, which made me unable to pay my checking line of credit and credit card balances. It was never my intention to let these accounts go unpaid. I was finally in a position to begin resolving these debts in early 2020, but my financial stability was once again disrupted by the XXXX pandemic. 

Now that I am financially stable, I am trying to do the right thing and resolve this matter. However, when I contacted Navy Federal to arrange payment, their collections department informed me that they can no longer assist me because the debt was sold to a third-party debt buyer : XXXX XXXX XXXX XXXX 

Following Navy Federal 's instructions, I contacted XXXX XXXX XXXX to pay the debt. XXXX 's representative informed me that they can not and will not accept my payment. They stated that the account is too old, and therefore they will not process any payments on it. 

This has created an impossible " XXXX. '' Navy Federal is denying me access to essential banking services based on a conditionpaying this old debtthat they themselves have made impossible for me to fulfill. By selling the debt to a company that refuses to accept payment, they have created a bureaucratic deadlock. I am being unfairly blocked from membership due to an internal conflict between Navy Federal 's policies and their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/year>, my Sofi bank account was restricted for an unknown reason. All i knew is that on my account homepage it said my account was being restricted because of a security risk and I was told to call the security hotline. When I did however, the agent at the time couldn't give me a reason, only that the security team was tracing the issue so they told me to wait. The only problem with waiting is that on my account, it listed that I have 14 days to reach with a representative to get the issue solved or my account would be closed. I initially called them on XX/XX/year>. 

I made another call on XX/XX/XXXX and all I was told is that the security team was still working on why my account was closed and that they would escalate my request to them. I followed up again on XXXX, XXXXXXXX XXXX, some days past the 14 day window where my account would be closed if I didn't speak to a representative. I told the representative about my situation and they told me that my account was restricted because someone who sent me money claimed that they didn't send the money to my account. So they're investigating their claim and they urged me to message the recipient. However, after that phone call I received no further information. Randomly today, I recieve a call from a number I didn't recognize, then, after that call I received an email saying that my account was closed. There was no explanation, no reasoning given only that I violated their guidelines. 

I don't understand how I violated their guidelines when all I did was receive money from someone, they're requesting it back, but no attempt was made from both banks or the recipient to recieve the money back or to have this end in a peaceful conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-16 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc.
State: KS

Complaint narrative:
on XX/XX/year> after numerous attempts to have my PMI automatically dropped, as I have been well above the 20 % equity over loan balance for at least 3 years. I received a letter from Dovenmuehle/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX " After review, we have determined that your loan does satisfy the 80 % " original - Value '' loan-to-value ( XXXX ) ratio required for PMI XXXX. However, In order to cancel PMI on your loan at this time a new valuation must be ordered to verify that the property has maintains its original value. '' They then go on to say the only option I have is to send Dovenmuehle/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX check for {$190.00} to order a new valuation. XXXX from Dovenmuehle/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I have sent Dovenmuehle ( XXXX XXXX XXXX XXXX XXXX XXXX ) the last 3 years XXXX XXXX appraisals which proves my XXXX what I thought was indisputable but alas with Dovenmuehle it seems standard operating procedure is to dispute everything and just try to tire out their customers. 

A quick internet search shows that DovenmuehleXXXX XXXX XXXX XXXX XXXX XXXX has XXXX history of this type of behavior. I don't know what to do, I am being taken advantage of and it seems there is absolutely nothing that can be done about it other than keep paying the PMI or pay {$190.00} and hope it ends.

Company response to consumer: Closed with explanation