vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC
State: VA

Complaint narrative:
The amounts owed are {$4900.00} and {$1000.00} for personal loans. 

I am filing a complaint regarding the conduct of a representative named XXXX, Shepherd Outsourcing who contacted me by telephone today about an outstanding debt.

I want to make clear that I am not disputing the debt. I fully acknowledge that the balance is accurate. During the call, I informed XXXX that I currently have no available funds and that I understood if the account needed to be placed with a law firm for more formal action. Despite this, he continued to press me with intrusive and inappropriate questions unrelated to the debt itself. 

Specifically : He questioned how my household manages daytoday living expenses. 

He implied that I was not doing enough to secure employment. 

He suggested that I should be able to give something even after I clearly stated I had no funds available. 

He made a condescending remark that their company is hiring, delivered in a way that felt dismissive rather than helpful. 

I have been actively seeking employment for over 18 months, and his comments were not only inaccurate but also unprofessional and inappropriate for a debt collection call. His tone was judgmental, intrusive, and inconsistent with the standards required under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abuse, and unnecessary personal questioning. 

I am requesting that the CFPB review this matter and ensure that the company addresses the representatives conduct. I also request that future communication regarding this account remain professional and limited strictly to the debt and available options, without personal judgments or commentary about my employment status or financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report.

The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXXXXXX XXXX XXXX - XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed an account reported by LVNV that is inaccurate and does not belong to me. I submitted documentation to the credit bureaus, but the item remains on my report. The furnisher did not provide any proof or proper validations, and the credit bureau failed to correct or remove the account. I am requesting that the CFPB investigate and that the inaccurate account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts [ No charged-off accounts listed for TransUnion ] Inquiries XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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 2025-12-22 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: MO

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a credit card charge that was authorized under deception and coercive circumstances. 

I reported to Navy Federal that a charge was obtained only after material pricing terms were withheld until my household goods were fully loaded and under the control of a moving company. Payment was demanded as a condition of releasing my property. Under those circumstances, I did not have a meaningful ability to refuse payment, and the authorization was not freely given. 

Navy Federal declined to investigate this as fraud and stated that because I provided my card information, even under coercive circumstances, the transaction was considered authorized and not protected. Navy Federal refused to reopen the matter or evaluate the validity of the authorization beyond a surface determination that card credentials were entered. 

During a recorded call ( made with the banks consent ), a Navy Federal supervisor acknowledged that in the same scenario where a consumers property is fully loaded and payment is demanded for release the consumer would have no choice but to pay. Despite this acknowledgment, Navy Federal maintained its position that it does not protect consumers in such circumstances. 

I am concerned that Navy Federals policy fails to account for coercive authorization and fraud by inducement, and that its application denies consumers protection when payment is compelled by control of property. I am requesting that the CFPB review Navy Federals handling of this matter, including whether its policies and practices adequately protect consumers from transactions authorized under deception or coercion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts on my Experian credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXX & XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$180.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} INQUIRIES : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTS : 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 explanation
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX  ( XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-12-22 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: FL

Complaint narrative:
My consumer credit file contains information that is being reported inaccurately, inconsistently, and without lawful verification. These are not technical discrepancies or benign errors. They are material reporting failures that directly damage my credit profile and violate fundamental consumer-protection requirements. 

The data being published includes defective account statuses, improper delinquency indicators, unreliable payment history coding, and internally inconsistent balances and dates. Such errors can not exist in a system that is operating in compliance with the law. Their presence establishes one of two conclusions : either no reasonable investigation was conducted, or the results of that investigation were ignored. Both are unacceptable. 

Federal law does not permit the reporting of information that is incomplete, misleading, or unverifiable. Publishing defective data is unlawful. Continuing to publish it after notice transforms negligence into willful non-compliance. Each day these inaccuracies remain on my file compounds the harm and deepens liability. 

I have provided clear notice of these violations. The failure to correct them immediately demonstrates a disregard for statutory obligations and a systemic failure to protect consumer rights. This conduct is indefensible and must be remedied without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My mom tax return was sent in my account they close my account an hold the money says its not mines witch is the same of XXXX dollars this is frome XXXX they told me XXXX they would refund to the irs so that irs can send it back to my mom they didn't. I call them back they said they need prove from the irs with my mom stated is her money she did that an we went together an take it to them we still haven't received the money ist been XXXX week since we went to the bank with the irs letter that they ask for

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 2025-12-22 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: VA

Complaint narrative:
I am filing this complaint against Equifax for violations of the FCRA related to inaccurate personal identifying information, including improper address formatting, inconsistent name reporting, and an improper Date of Death ( DOD ) indicator. 
Specific Violations by Equifax XXXX. Improper Date of Death ( DOD ) Reporting Equifax is reporting a XXXX indicator, despite the fact that I am alive. 
This is a severe reporting error with potentially devastating consequences. 
Violations : 1681e ( b ) Materially inaccurate reporting 1681g ( a ) False consumer status 1681n / 1681o Civil liability XXXX. Address Misreporting ( PMB vs XXXX ) Equifax reports an address using XXXX formatting, which is not interchangeable with a residential unit and has not been validated. 
This creates accuracy and verification issues. 
Violations : 1681e ( b ) Inaccurate reporting 1681i ( a ) Failure to correct XXXX. Name Variations Without XXXX Equifax reports multiple name versions without documentation or proof of accuracy. 
Violation : 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank is constantly harassing me and continuing to call me after I have revoked consent from all verbal contact. 

I put this in writing over XXXX times now. XXXX still refuses to stop harassing me over an auto loan that has to do with fraudulent misrepresentation from the seller of the XXXX loan. 


Chase bank is predatory and abusive. XXXX harassment. 

Calling from XXXX different numbers - locations - branches - leaving constant voicemails just saying we need a return phone call after I have revoked consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
My XXXX account was permanently limited shortly after creation. The account has no pending payments, no disputes, no chargebacks, and no refunds. The account was not usable prior to the limitation. 

Despite this, XXXX is holding my funds for XXXX  days, citing a general policy meant to cover potential disputes or chargebacks. XXXX support has confirmed there are no pending transactions yet refuses to escalate or manually review the hold. 

XXXX has not provided any specific transaction, risk, or contractual justification for retaining my funds, only a blanket policy statement. This results in my money being withheld without cause or individualized explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-12-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report. I believe that some of the information provided is incorrect, and I request that these accounts be reviewed and corrected. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief