vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
What happened : Navy Federal represented that secured credit card customers who make XXXX consecutive on-time payments would be eligible for an automatic or streamlined credit limit increase and graduation to unsecured status. I relied on that advertising when I opened my Navy Federal secured card. 

I have made more than XXXX consecutive on-time monthly payments, maintained the account responsibly, and stayed below the credit limit. Despite meeting the criteria Navy Federal promoted, I was denied a credit limit increase. 

Navy Federal failed to provide a written adverse action notice explaining the denial, as required by law under ECOA ( 15 U.S.C. 1691 ( d ) ) and Regulation B ( 1002.9 ). This lack of explanation prevents me from disputing or correcting any inaccurate information used in the decision. 

Because Navy Federal did not honor the advertised graduation policy, I continue paying 18 % APR interest on a low {$250.00} limit, which has caused measurable financial harm that should not have occurred.

I believe Navy Federals conduct constitutes : Failure to provide required adverse action disclosures Misleading and deceptive advertising regarding credit qualification Unfair credit practices under CFPB UDAAP authority ( 12 U.S.C. 5531 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX XXXXXXXX account XXXX in that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remained without proper validation or documentation. Under 15 USC 1681 S 2 A, furniture must report accurate information. Under 15 USC I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
On Tuesday evening I used another device to order DoorDash with the payment being my linked cashapp I tried later on to use my funds at the shells close by my home and couldnt only when I called cashapp was I informed it was locked I just want to withdraw my funds paid to me by XXXX and they wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-10-30 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: FL

Complaint narrative:
After reviewing my credit reports, I discovered that multiple accounts and hard inquiries are being reported inaccurately and without proper verification. Several creditors and collection agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are reporting accounts as charged off or in collection without providing lawful proof of ownership, signed agreements, or payment records. Some of these accounts appear to have been re-aged, with altered delinquency dates that make the negative information appear more recent than it actually is, which violates the Fair Credit Reporting Act ( FCRA ). For example, XXXX XXXX XXXX is showing a charge-off that has not been validated, and XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without proof of assignment or documentation from the original creditors. XXXX XXXX  and XXXX XXXX  are showing charge-offs with conflicting balance histories, while XXXX XXXX XXXX is listing a collection account without providing a proper chain of custody or validation letter. In addition, several hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my authorization or a permissible purpose, which violates FCRA Section 604 ( a ). These inaccuracies are damaging my credit profile and have been maintained on my report without compliance with the FCRA and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-30 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
XXXXI am disputing two phone numbers (XXXX XXXX XXXX XXXX XXXX) listed on my recent credit report that are not mine. These phone numbers are incorrectly associated with my name and should not appear on my credit file. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681e(b), credit reporting agencies are required to ensure that all information they report is accurate. Additionally, under 15 U.S.C.  1681i(a), I have the right to dispute inaccurate or incomplete information, and the credit reporting agency must conduct a reasonable investigation.XXXXThese phone numbers have not been authorized or linked to me in any way, and their presence on my credit report is a clear violation of my rights under these provisions of the FCRA. I request the immediate removal of these incorrect phone numbers from my credit report to ensure that my personal information is accurately reflected.'

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 2025-10-30 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: AL

Complaint narrative:
Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Despite prior notice, you have continued to allow the reporting of this harmful and false information on my credit profile a reckless violation of my consumer rights. 
You are now in violation of the following : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished about me. information furnished about me.

15 U.S.C. 1681i : Failure to conduct a lawful reinvestigation within the required timeframe.

15 U.S.C. 1681s-2 : Willful reporting of information you KNOW to be false or unverifiable.

FDCPA Violations : 1 of 3 15 U.S.C. 1692e : Use of deceptive and misleading reporting practices.

15 U.S.C. 1692f : Engaging in unfair and unconscionable collection activities through the continuation of false credit reporting.

UCC Violations : UCC 3-305 & 1-103 ( a ) : Reporting debts WITHOUT possession of verifiable, original contractual agreements constitutes constructive fraud. 

Case Law Precedent Supporting My Claims : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You are REQUIRED to conduct an independent and reasonable investigation not simply parrot creditor claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to DELETE inaccurate information after being properly notified is a direct violation of FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Continuing to report inaccurate data following consumer dispute constitutes willful noncompliance, leaving you fully liable under 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 2025-10-30 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to them in any way. This is entirely unacceptable and constitutes a serious breach of accuracy and responsibility. These false entries misrepresent my financial history and have caused me considerable concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
Studentaid.gov has not credited multiple payments towards my XXXX I submitted reconsiderations and they said that they investigated and found the following : 'Based on the information provided and our research, we did not process your request because your loan provider reported payment XX/XX/year>, is ineligible because your loan is delinquent due to missed payment. To get credit for a month, the full amount due must be paid. Please contact your loan provider regarding loan details. ' This is inaccurate, as I have contacted XXXX, which confirmed my payment on time and in full and I can also provide bank statements, which I did to the XXXX. They told me that I needed to file a complaint. This is for case number XXXX. There were two others that I filed a reconsideration for : your XXXX  Payment Reconsideration requests case XXXX XXXXXXXX, XXXX, and XXXX, these are for XX/XX/year>, XX/XX/year>, and. 
These three have not yet been determined, but I am anticipating the same result. Please let me know how I can resolve this. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2025-10-30 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:
TransUnion ( TU ) Charged Off Accounts : XXXX  XXXX  Account Number : XXXX Date of Report : XX/XX/year> Amount : {$0.00}

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 2025-10-30 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: CA

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-10-30 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am writing to dispute an account that has been reported incorrectly on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The account is being misreported across my credit files. I am requesting that this account be fully investigated and verified with supporting documentation. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to dispute an account that has been reported incorrectly on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The account is being misreported across my credit files. I am requesting that this account be fully investigated and verified with supporting documentation. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, a hard inquiry from American Credit Acceptance appeared on my XXXX  credit report. 

I did not directly authorize this company to access my credit file. I only authorized a dealership to run my credit for a single vehicle financing application, not to distribute my personal information to multiple third-party lenders. 

Under FCRA 604 ( a ) ( 2 ), each company must have my express consent to obtain my consumer report. I am requesting verification that American Credit Acceptance had a valid permissible purpose. If they can not provide proof of my authorization, this inquiry should be permanently removed from all credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: 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 non-monetary relief
Consumer complaint received 2025-10-30 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:
Let me be real clear with you Im DONE playing with yall. This is now the THIRD time Ive lawfully disputed the following account ( s ), and you continue to report this XXXX on my credit profile : 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1692g ( b ) : Debt Validation 15 USC 1681i ( a ) ( 5 ) : Deletion of Errors Heres whats happened so far : Round One : You got my legal notice and IGNORED it.

Round Two : I sent a second formal demand you IGNORED it AGAIN.

Round Three : This is your FINAL legal notice, and this time Im not bluffing.

You have FAILED to : Provide LEGAL proof of verification Delete UNVERIFIED and INACCURATE information Follow the LAW youve willfully kept reporting false XXXX on my file XXXX of XXXX At this point, your willful non-compliance is a straight-up violation of federal law, and Ive had enough. 
I AM NOW ESCALATING THIS MATTER TO : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the State Attorney General Every media outlet and consumer XXXX  XXXX  I can find And trust me Im not stopping there. 
Ive already retained legal counsel, and I WILL be filing suit for damages under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) 15 U.S.C. 1692k ( FDCPA violations ) So just know you WILL be held fully liable for : ALL damages Court costs Attorneys fees Any other relief the court sees fit

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hello, I am disputing the account being reported by Columbia Debt Recovery. This company is a third-party debt collector that has obtained and is reporting my personal information without my knowledge or signed consent. I was never contacted by Columbia Debt Recovery before they placed this account on my credit report, and I have never given them written authorization to collect, store, or share my personal data with the credit bureaus. 

During the time this account was created, I had recently lost my job and was struggling financially. I was unable to keep up with payments, which I communicated to the original creditor. However, at no point did I agree or sign anything giving Columbia Debt Recovery permission to access or report my personal information. The Fair Credit Reporting Act requires accuracy and proper procedures for furnishing information to the credit bureaus under 15 U.S.C. 1681e ( b ). Additionally, under 15 U.S.C. 1681i, when an account is disputed, the furnisher must conduct a lawful reinvestigation with supporting proof, not recycled or templated data. 

Columbia Debt Recovery has not produced any wet-signed documentation showing that I consented to them taking over this alleged debt. Without that evidence, they are unlawfully reporting personal information that they have no authority to use. This is a direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g, which requires clear validation of the debt before any continued reporting or collection.

Company response to consumer: Closed with explanation