vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I mailed written requests with all required documentation to have outdated addresses removed from my credit report. Despite allowing sufficient time, these obsolete addresses are still being reported. This violates the FCRA and Metro 2 compliance standards and is causing harm to my credit profile and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
The year XXXX, multiple dates of, earnings & tips has been taking from XXXX XXXX. I was a driver on the XXXX XXXX  XXXX  that delver XXXX XXXX. When my earnings & tips wasnt being applied on my XXXX XXXX  I started to question XXXX XXXX XXXXXXXX. Earlier XXXX and XXXX I didnt have those problems, but when XXXX XXXX XXXXXXXX employees was conspiring against me when questioning my missing earnings and tips. I asked to get an audit my account,. XXXX XXXX  and XXXX XXXX  charges was charged on my XXXX XXXX. XXXX was the XXXX charge and XXXX I questioned the charges and they got real upset with me and XXXX my card and mail me another. I ask audit my account but XXXX  and XXXX CONSPIRED when I ask of my earnings. Each one was telling me to call each other with no intentions or helping solve the problem. I was kicked offline and would I called to change my email, they would come up with excuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
XXXX being harassed by XXXX and XXXX law firm for an old credit card that was stolen from me and charged {$780.00} in charges but now they have increased the amount to {$1000.00}. Which is an inaccurate amount. The law firm has bought the account from XXXX XXXX XXXX, and the original account was owned by XXXX XXXXXXXX XXXX. I have tried communicating with all of these companies but all of these companies have been rude and want to argue with me about this matter and they hanged up on me. Also XXXX XXXX XXXX and my bank account has put a hold on funds and will not release the funds. They are saying that its a legal matter and that I cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
There was damage on my credit report do to laws 15 u.s.c 1681 this is a definition on character

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 2025-08-17 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: CA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that is inaccurate and fraudulent. These accounts were opened without my authorization as a result of identity theft. 

Unauthorized Accounts to Be Removed : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : n/a Date Opened : n/a Reported Balance : XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX Reported Balance : XXXX  I have never applied for, authorized, or used these accounts. They are the result of identity theft, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to request that these fraudulent accounts and any related negative information be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that is inaccurate and fraudulent. These accounts were opened without my authorization as a result of identity theft. 

Unauthorized Accounts to Be Removed : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : n/a Date Opened : n/a Reported Balance : XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX Reported Balance : XXXX  I have never applied for, authorized, or used these accounts. They are the result of identity theft, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to request that these fraudulent accounts and any related negative information be blocked and removed from my credit file.

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written debt validation request to Resurgent Capital Services, L.P., pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This request covered two alleged accounts ( ending in XXXX and XXXX, totaling {$4700.00} ) I previously disputed a collection account XXXX and XXXX ( Creditor : XXXX, Original Creditor : XXXX XXXX  XXXX, Amount : {$4700.00} ) Creditor Name : XXXX Original Creditor : XXXX XXXX  XXXX  Balance : {$4700.00} Opened Date : XXXX XXXX, XXXX Status : Derogatory and specifically required : Name and contact of the original creditor. Full payment history and account records. Proof of ownership and assignment to Resurgent A copy of the original signed agreement bearing my name/signature Resurgent acknowledged receipt in writing ( Case No. XXXX ) and stated I would receive a response within two business days. As of todays date ( over 30 days later ), no validation has been provided. This constitutes violations of : 1. 15 U.S.C. 1692g ( b ) Failure to cease collection activity until validation is provided 2. 15 U.S.C. 1692e Misrepresenting the debts validity without proof 3. 15 U.S.C. 1692f Unfair or unconscionable means to collect 4. 15 U.S.C. 1681s-2 ( a ) ( 3 ) If reporting to credit bureaus without marking the accounts as disputed ( FCRA violation ) Jurisdiction and hardship details : I have resided continuously outside the XXXX for over six years and have not been physically present during the time these accounts were allegedly opened/used. I have no XXXX mailing address, can not receive legal service within the XXXX, and requested all communication be by email. I am in recovery from a violent assault resulting in a XXXX XXXX XXXX ( XXXX ), and ongoing severe medical hardship. I have no income, assets, or employment in the XXXX and am not a viable candidate for domestic collection. XXXX XXXX XXXX this collection agency has also been constantly calling my number even after I asked for debt validation and requested that they do not call me. 
They called my phone at all hours of the day I will list a previous address here, but as I shared. I haven't entered the XXXX in over 6 years since XX/XX/XXXX so I no longer have a mailing address in the country

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Kovo
State: CA

Complaint narrative:
I am requesting the removal of 1 fraudulent account from my credit reports with XXXX. Please review my supporting documents and remove the account that was fraudulently added to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am submitting this letter to formally dispute the reporting and servicing practices of my line of credit issued by XXXX XXXX  XXXX XXXX XXXX and serviced by XXXX ( XXXX XXXX ). 
Summary of Account : - Lender : XXXX XXXX / XXXX - Opened : XX/XX/year> - Original Loan Amount : {$2200.00} - Payments Made : Over {$2700.00} - Current Balance : Still over {$1700.00} - Account ID : XXXX XXXXXXXX. 

Despite paying more than I originally borrowed, my balance has barely decreased. This is due to a recurring XXXX XXXX XXXX and XXXX XXXX XXXX structure, which behaves like interest but is labeled otherwise to bypass lending caps. This structure is predatory, deceptive, and designed to keep consumers in a prolonged debt cycle. 
Supporting Facts : - Over {$2700.00} paid, but balance remains nearly untouched. 
- Fees are charged monthly even when no new advance is taken. 
- The product claims not to charge interest, yet effectively creates an XXXX well above 100 %. 
- XXXX began reporting the account as delinquent to TransUnion during active regulatory disputesa move that appears retaliatory. 
- I have filed formal complaints with the CFPB, Florida XXXX XXXX XXXX XXXX, and the Better Business Bureau, all of which are documented and attached. 
- I have requested hardship or settlement relief, but XXXX has refused to reduce or settle the account. 
- I have revoked all payment authorizations and requested no further contact. 
Public Record Concerns : - XXXX / XXXX and XXXX XXXX  have previously faced public lawsuits, CFPB enforcement, and regulatory scrutiny for similar high-cost lending practices. 
- This case fits an ongoing pattern of abusive financial products targeting consumers in financial distress.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against Credence Resource Management , LLC for failing to provide proper validation of an alleged debt and for reporting inaccurate information to the credit bureaus Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX ( b ), I requested full validation of this account, including the original signed agreement, a complete itemized payment history, and proof that they have the legal right to collect the debt. Despite my written request, Credence Resource Management has not provided legally sufficient documentation Furthermore, they have continued to report this account to the credit bureaus, which constitutes furnishing inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ). The account appears on my credit report without my authorization or any evidence that I owe the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, IL XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 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 2025-08-17 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: GA

Complaint narrative:
I am filing this complaint against Equifax for violating FCRA XXXX ( b ), XXXX ( a ), and XXXX ( XXXX ). Despite detailed disputes, Equifax relied on automated XXXXXXXX XXXX XXXX XXXX XXXXAccount-Level Inaccuracies Truist XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Contradictory XXXX  and XXXX  codes in same cycle, high credit inconsistent with limit. 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX Issues : Balance exceeds limit, misapplied charge-off coding, payment history inconsistent with account status. 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX Issues : Reports both XXXX and XXXX  in same month, improper monthly charge-off after XXXX, incorrect limit. 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : XXXX  and XXXX  in same cycle, incorrect high credit, inaccurate balance post charge-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
Any money that is sent to my checking account from anyone or deposited by anyone is being moved to my XXXX XXXX or spot me outstanding balances on chime is being automatically transferred even though in the app settings on the chime app states that my auto pay is XXXX and has been since XX/XX/XXXX and its only due to come out automatically when I receive my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NV

Complaint narrative:
Hello, I want to make a complaint against CASH APP for failing to dispute my refund request for the amount of {$22.00}. 

I asked for them to refund this amount of money as it was forced upon me to be taken from an expired/canceled subscription and another transaction. 

I showed this bank PROOF of said expired/canceled subscription not being given to me and put on my account ( XXXX ; XXXX  XXXX XXXX ; {$19.00} ) and the transaction ( XXXX ; XXXX XXXX ; {$4.00} ) not being put into the account. 

I got an email a few minutes ago telling me they will NOT give me this refund under the belief the seller ( XXXX  ) resolved my issue even though I sent them proof that the seller ( XXXX  ) did NOT resolve this. I am incredibly unhappy with this banking company, they have been unhelpful and clearly did not look at my proof. 

I am sick and tired of being forced to pay for things I DID NOT PAY FOR. I bought a NEW CARD because of this transaction, positive someone took my card and tried to spend with it. I have blocked the seller ( XXXX  ) on CASHAPP to make sure the transaction did not go through as I needed that {$22.00} for a different bill and CASHAPP forced me to pay for it anyways. 

Attachment Explanations ; XXXX attachments show my XXXX  account name, which does not have the XXXX  tag next to it and my XXXX  amount ; the XXXX XXXX has been in my account since BEFORE these charges. 

XXXX attachments shows my XXXX history for subscriptions and payments, showing these payments were made XX/XX/year>. The email shows that it was to be canceled/expired on XX/XX/year>. 

XXXX attachment shows that the XXXX XXXX charge expired on XX/XX/year> ; proof for the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c To Whom It May Concern : I am writing to formally demand that you cease all communication with me regarding the alleged debt referenced in your recent correspondence.

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease all further contact with the consumer except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or Notify the consumer that the debt collector intends to invoke a specified remedy. 

Be advised that any further communication from your agency, outside the exceptions listed above, will constitute a violation of federal law and will be documented for potential legal action. I am aware of my rights under the FDCPA and will not hesitate to report any continued contact to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and, if necessary, pursue legal remedies under 15 U.S. Code 1692k, which provides for actual damages, statutory damages, and attorneys fees.

This notice serves as a formal request to immediately cease all communications with me, including but not limited to : phone calls, letters, emails, or any form of electronic communication. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to dispute the accuracy of certain information being reported on my credit file. The accounts listed below are showing XXXX and XXXX late payments that are currently in litigation and not legally enforceable at this time. Per XXXX XXXX reporting guidelines and the XXXX XXXX XXXX XXXX XXXX ( XXXX ), furnishers must ensure that accounts in litigation are reported accurately and not in a manner that misleads or causes harm. Reporting delinquency during pending litigation is misleading and fails the requirement of maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
Creditor : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$2000.00} - Current Status : Collection/Charge-off This account was previously deleted from my credit report after a dispute. However, I have confirmed that it has been reinserted unlawfully, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B )

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 2025-08-17 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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