vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In XX/XX/year>, I contacted Navy Federal Credit Union multiple times requesting they repossess my vehicle voluntarily, as I was no longer able to maintain it. At the time, my payments were current, and I had no intention of defaulting. During these calls, I was told I needed to submit photos of the car in order for them to proceed with the pick-up. I was unable to submit the photos immediately due to work obligations and being sick, but I submitted them a few days later when I was able to. 

Despite my effort to surrender the car the correct way and do the right thing, Navy Federal reported it as a repossession instead of a voluntary surrender. This has caused serious damage to my credit and my ability to secure stable housing. I feel I was misled and punished for doing what I was told. I should not be penalized for delays that were outside of my control, especially since I initiated the return and was up to date on payments at the time. I am emotionally and financially impacted by this situation and am requesting a full correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX Experian offered to Boost my credit score in seconds. Multiple attempts were unsuccessful. My emails weren't answered ; I was hung up on twice ( after an hour wait each time ). I have been in contact with them by DM only to have to resubmit my info three times in four months. My credit score could be higher if my daughter 's student loans were reasonable. If I could gain a few points on my score, I could save hundreds a month on my car loans. There seems to be no oversight on credit reporting institutions... SAD!

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1700.00}

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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I was the victim of a scam that manipulated me into sending XXXX using Cash App. 

A person impersonating an affiliate of XXXX XXXX recruited me via XXXX into a task-based investment scam. They showed fake dashboards and group chats claiming I could earn money through tasks and recharges. These events occurred between XX/XX/XXXX and XX/XX/XXXX. 

I initially sent small amounts, then larger amounts totaling {$500.00} USD, all converted and sent as XXXX through Cash App. When I realized it was a scam, I immediately contacted Cash App support. 

I provided screenshots, the scammers wallet address, and timeline. I also filed with the FTC, FBI Internet Crime Center ( IC3 ), and XXXX

Cash App refused to escalate the case to their fraud or compliance team. I am now requesting that this complaint be reviewed by Cash Apps higher-level team and that I receive formal consideration for a refund due to the scams documented nature. 

My Cash App support case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : XXXX XXXX XXXX XXXX ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : XXXX XXXX XXXX XXXX XXXX  - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXXXXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - Reason for dispute XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: LA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account National Credit System # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid the amount in full that was in collections, but the negative item still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account with Captial One Credit was closed in XXXX  with a remaining balance attached to it. I was unaware the account was closed until I logged into my account to pay the bill and wasn't able. I called Capital One to resolve the issue, and in XXXX XXXX, XXXX, they offered me to make payment arrangements until the balance was paid off in the amount of {$35.00} every month on the XXXX. The payments reocurred from XXXX set up as an automatic payment for this account,. On XX/XX/XXXX, I recieved an email stating my account payment was late and past due. I called them, they told me the payments stopped because it was complete, however they charged me a late fee, continued to charge interest on a closed account, and told me I now needed to pay {$41.00} a month of which the balance is {$150.00}. I never stopped payments on this account. I asked them to remove the extra charges so I could pay the remaining balance and they refused. These are unethical business practices and I am filing a complaint against this credit card company for egregiously charging late fees onto my account, and tampering with automatic payments to intentionally create late fees and add charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
This is a formal demand for reinvestigation and immediate deletion of inaccurate, unverifiable, and unauthorized information currently reported on my credit file. You are legally obligated to ensure maximum possible accuracy under 15 U.S. Code 1681e ( b ) and to fully reinvestigate any disputed information under 15 U.S. Code 1681i ( a ). 

Personal Information Being Disputed : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect XXXX : XXXX Incorrect Names : XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXXXXXX XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, NY XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged ( Unverified and Unproven ) : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX Hard Inquiries Being Disputed ( Potentially Unauthorized and Unlawful ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I challenge these inquiries and accounts under FCRA Section 604 [ 15 U.S. Code 1681b ], as I have never provided written authorization or permissible purpose for these entities to access or report any data on my consumer report.

Furthermore, your refusal to investigate based on your incorrect assumption that these disputes are third-party generated is unlawful. Every correspondence bearing my name is authorized by me. Form letter responses or systemic denials of my disputes violate 15 U.S. Code 1681i.

I am demanding : Immediate deletion of all unverified, unauthorized, and inaccurate information listed above.

Full documentation containing original, signed contracts or legally valid electronic signatures proving authorization for these inquiries and accounts.

An updated copy of my full consumer report reflecting these deletions.

Failure to comply will result in legal action for your willful noncompliance, negligence, and continued reporting of inaccurate information in violation of federal law. I have documented these disputes and will present all evidence to my legal counsel for further action if necessary. 
You are fully aware of your obligations. Act accordingly.

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 2025-06-24 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: NY

Complaint narrative:
This is a formal demand for reinvestigation and immediate deletion of inaccurate, unverifiable, and unauthorized information currently reported on my credit file. You are legally obligated to ensure maximum possible accuracy under 15 U.S. Code 1681e ( b ) and to fully reinvestigate any disputed information under 15 U.S. Code 1681i ( a ). 

Personal Information Being Disputed : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect XXXX : XXXX Incorrect Names : XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXXXXXX XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, NY XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged ( Unverified and Unproven ) : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX Hard Inquiries Being Disputed ( Potentially Unauthorized and Unlawful ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I challenge these inquiries and accounts under FCRA Section 604 [ 15 U.S. Code 1681b ], as I have never provided written authorization or permissible purpose for these entities to access or report any data on my consumer report.

Furthermore, your refusal to investigate based on your incorrect assumption that these disputes are third-party generated is unlawful. Every correspondence bearing my name is authorized by me. Form letter responses or systemic denials of my disputes violate 15 U.S. Code 1681i.

I am demanding : Immediate deletion of all unverified, unauthorized, and inaccurate information listed above.

Full documentation containing original, signed contracts or legally valid electronic signatures proving authorization for these inquiries and accounts.

An updated copy of my full consumer report reflecting these deletions.

Failure to comply will result in legal action for your willful noncompliance, negligence, and continued reporting of inaccurate information in violation of federal law. I have documented these disputes and will present all evidence to my legal counsel for further action if necessary. 
You are fully aware of your obligations. Act accordingly.

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 2025-06-24 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: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: SD

Complaint narrative:
They claim to have notified me on XX/XX/year> but on XX/XX/XXXX, around XXXX a police officer who didnt identify themselves nor the court they worked for handed me a summons and complaint from Barclays Bank Delaware . A police officer coming to my door with a summons, was my first notice of the lawsuit or that the debt had changed hands. No letters, emails, or phone calls were made prior to this legal action to my knowledge. This feels like harassment and a violation of my rights under the Fair Debt Collection Practices Act. The amount of {$4000.00} is claimed to be owed to the Plaintiff now without any proof of how they came to this number nor that the alleged debt was sold or assigned from the original creditor. The failure to notify violates the FDCPA and relevant state consumer protection laws. I am disputing the debt collection lawsuit brought against me now allegedly on behalf of Barclays Bank Delaware. I was never notified that my account had been sold or transferred and I never received any written notice of the new debt owner or any opportunity to request validation prior to be sued. They didnt even have the name correct on the lawsuit which makes me wonder why they are trying to sue using just my social security number when my name has been legally changed due to marriage. There has been no proof given to me on the original contract, account ownership documentation, complete transaction history, and notice of assignment. I am requesting a full investigation into whether the collector followed proper procedures to notify me of debt sale and my right to dispute or validate the debt before filing a lawsuit. I also want to know if their aggressive tactics violate federal consumer protections.

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