vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent.

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports : 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  These accounts were not opened or used by me, and I am not legally responsible for them. I have no knowledge of or connection to the creditors or collection agencies listed. Each account is a direct result of identity theft, and their continued presence on my credit report is a violation of federal 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 2025-07-09 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent.

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports : 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  These accounts were not opened or used by me, and I am not legally responsible for them. I have no knowledge of or connection to the creditors or collection agencies listed. Each account is a direct result of identity theft, and their continued presence on my credit report is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I submitted disputes to Experian on XX/XX/XXXX, regarding multiple accounts that contain clear and obvious inaccuracies. Experian responded quickly, but made no corrections or changes, despite the evidence clearly showing violations of the Fair Credit Reporting Act ( FCRA ). 

These accounts reflect re-aging, future-dated past due balances, duplicate entries, and improper charge-off reporting. This is damaging and misleading reporting that should have been corrected during the reinvestigation process. 

Below, I have listed each account involved and the specific violations. Supporting screenshots and documentation have been attached as evidence. 


Accounts Experian Refused to Correct : XXXX. XXXXXXXX XXXX XXXX XXXX Multiple entries for same debt Re-aged collection history showing activity through XX/XX/XXXX Past-due balance increases without payments or new agreements XXXX XXXX ( Account opened XX/XX/XXXX ) Account reports as past due in XX/XX/XXXX, despite no valid payment history XXXX date in the future = inaccurate reporting XXXX. XXXX XXXX XXXXXXXX XXXX Charged off, but still reports Charge Off every month Shows 152 % credit usage ( over limit ) and ongoing late payment behavior after charge-off XXXX. XXXX XXXX XXXX XXXX as past due in XX/XX/XXXX Balance continues to update without activity re-aging violation XXXX XXXX XXXX XXXX XXXX XXXX Accounts ) Future-dated collections ( as of XX/XX/XXXX ) Re-aged accounts with repetitive monthly collection notations XXXX. XXXXXXXX XXXX  Account XXXX XXXX in XXXX, but now reflects a past due balance dated XX/XX/XXXX XXXX. XXXX XXXX inflated from {$500.00} original to {$1600.00} charged-off Shows CO every month in XXXX post charge-off behavior XXXX. XXXX XXXX XXXX XXXX Paid {$1400.00} in XXXX, but still reports 120+ day lates in XXXX and ongoing charge-off XXXX. XXXX XXXX XXXX XXXX opened in XXXX still reporting collection balances in XXXX Account appears to be re-aged XXXX. XXXX XXXX XXXX Account opened XX/XX/XXXX, but reports past due as of XX/XX/XXXXXXXX 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 2025-07-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
i spoke with a woman XXXX XXXX from 21st century mortgage who called to inquire why my mortgage payment was late. Currently my payment is 9 days late today is XX/XX/year> payment was due on XX/XX/year>. When the lady got in the phone I answered let her know that I would be making the payment on the XXXX no later. She transferred me to her supervisor who told me it was unacceptable for me to make my payment on the XXXX and that it needed to be paid today. According to my loan a late fee will apply if paid after the XXXX. I was told that it was unacceptable for me to pay late and that payment would be due befoXXXX XXXX XXXX today XX/XX/year>. I said I have no money until the XXXX, and I will pay it then to which I was told why did i sign a contract if i could not be an adult and pay my bills. To which I replied that I do plan on paying it just not until the XXXX, she told me they don't offer a grace period to which I inquired if they didnt offer a grace period will they not accept my payment on the XXXX as i will only be 20 days late? She refused to answer my question and then stated payment was due today by XXXX XXXX when I inquired as to what consequences would occur if I didnt pay until the XXXX she refused to answer my question which seems deceptive by nature and is against the law according to the FTC XXXX I asked a question to which she could have told me simply a late fee would be applied, which I understand and am okay with. She dodged my question when asked about consequences multiple times. She continually told me I wasnt an adult because I didnt pay my bills on time which I believe to be harassing and bullying which is also against the law according to the FTC XXXX My loan has never been more then 20 days past due and I dont believe I should be brought to the point of tears by my mortgage company when I answered the call in effort to communicate with her like an adult as she very adamantly told me I was not, in effort to belittle me. I work in customer service and call people who are behind on their bills I assumed that I would be spoken to like an adult instead she choose childish behavior when all I did was attempt to communicate I plan on paying on the XXXX which only puts me 20 days past due. The photo I attached clearly shows on their website and I quote " If payment is received after XX/XX/year>, a {$48.00} late fee will be charged. However, all payments received after the due date are considered late. '' This is what I should have been told when I asked what the consequences to being late where not dodging the question and telling me I was not an adult in effort to bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
b'I attempted to buy a Transmission on line from  XXXX XXXX XXXX XXXX  website .\nI called the number listed on the website and talked to XXXX  . XXXX XXXX XXXX\nHe insisted that I use Cash App to pay for the transmission.\nI agreed and linked it up to him. He asked to take over my cash app via link.\nHe had me put money into the cash app visa card. \nHe started taking money in small amounts XXXX\nHe repeatedly did this until it was way over the amount of the Transmission\nHe requested I put another XXXX  on the card. \nThe bank  shut down the account .\nCash app locked there account as well.\nI asked him to do a full refund and he said he would after Cash app was unlocked.\nI went to Bank and got a new debit card .\nThe next day he asked me if cash app was unlocked or to tell him when it was unlocked.\nI drew the remaining money back off the Cash app Visa card and put it back in my bank account . \nI contacted Cash app assistance and went over everything with them.\n15 minutes after talking to Cash App thru there website I got a call from what was shown as a cash app support XXXX XXXX XXXX\nHe said he was going to get all the money back .He started doing the same thing as XXXX\nStarted pulling money out and cash app and my bank shut down again. \nHe wanted access to my bank and I foolishly gave him access. \nI released he was a scammer and pulled the access down .and deleted the link .\nI called Cash App and gave them the ph Number XXXX XXXX XXXX was not theirs .\nThat scammer got  $XXXX  .\nThe first guy XXXX  got $XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I called. My information had been leaked in data breech

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX I requested via Message box on American First Credit Union 's website, where you actually correspond to a real person, that the car loan payment I had just submitted minutes ago be cancelled, the reason being that I am struggling to make payments due to working at XXXX and having my full time hours reduced to even less than part time hours. I pay for GAP insurance since this is a car loan and mandatory. The last time I made a request to AFCU regarding using the Gap benefit they said no and gave no reason I can recall. 

Anyway, the guy said my payment would be cancelled and that I wouldn't have one due until XX/XX/year>. 

XX/XX/XXXX, after the holiday weekend AFCU processed the payment. 

I had no knowledge of this and had accrued Overdraft Fees of over {$210.00}. 
I reached out to them today and they have been XXXX help in fixing this dire situation. 
I am homeless, currently without food, minimal gas in the car to get back n forth to work, let alone use the A/C in what is on avg XXXX degree weather. Not knowing I was in the red with my bank i bought a cup of coffee the other day, with OverDraft fee 's, that coffee costs me {$37.00}. 

AFCU 's response so far has to put the {$470.00} payment into their saving acct under my loan. I can't even transfer it to my bank since I have to have {$5.00} in the acct at all times. It's a saving acct i do not use and had a XXXX balance until now. 

Even if I could transfer the {$470.00} back to my bank it would not offer me any relief from the Over Draft Fee that have accrued since the withdrawal from AFCU. 

They are now telling me that they can't do anything, The system wont let them. I've made my bank aware, XXXX XXXX XXXXXXXX XXXX XXXX of this nightmare. I've asked AFCU to CALL my bank and straighten this out. They keep acting obtuse going in circles, " like saying, we don't see any over draft charges. '' I have explained this situation perfectly to them and feel they know exactly what happened and do not want to admit their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
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. XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Has violated my rights. I looked at my Transunion report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 { e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information, as appropriate based on the results of reinvestigation and promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person 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 non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I AM SUBMITTING THIS STATEMENT TO FORMALLY DECLARE THAT MY PERSONAL INFORMATION HAS BEEN USED, ACCESED, OR REPORTED WITHOUT MY CONSENT OR PROPER LEGAL AUTHORIZATION. 
UNDER SECTION 502 OF THE GRAMM LEACH BILLEY ACT ( GLBA ), NO NONPUBLIC PERSONAL INFORMATION MAY BE DISCLOSED WITHOUT THE CONSUMERS PERMISSION. FURTHERMORE, UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681c-2 ), ANY SUCH INFORMATION MUST BE BLOCKED WITHIN FOUR ( 4 ) BUSINESS DAYS UPON WRITTEN REQUEST AND VALID IDENTIFICATION. IF THE DISPUTED INFORMATION CAN NOT BE VERIFIED WITHIN THE SAME TIMEFRAME, IT MUST BE PERMANENTLY DELETED FROM MY CREDIT FILE. I AM REQUESTING IMMEDIATE ACTION IN ACCORDANCE WITH THESE FEDERAL PROTECTIONS. THE INFORMATION IN QUESTION WAS ADDED OR SHARED UNLAWFULLY AND MUST BE BLOCKED AND DELETED TO PREVENT FURTHER HARM OR MISUSE. ACCOUNTS TO BE BLOCKED-ELIMINATED : XXXX XXXX  XXXX - ACCOUNTS 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account access kept getting blocked, I'm far away from the US, traveling for work, using multiple devices and VPNs ( that are crucial for my job ). I have never had these problems before, my account has always been up to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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