vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of my accounts. I have been a member since XXXX, with continuous direct deposits and no record of fraud or misuse. 

On XX/XX/XXXX, I received two XXXX transfers ( {$100.00} and {$1.00} ) from an unknown party. On XX/XX/XXXX, my XXXX access was deactivated without explanation. On XX/XX/XXXX, Navy Federal unilaterally restricted all my accounts without providing me any notification or opportunity to dispute or explain the transaction in question. 

When I was made aware of the issue, I immediately attempted to resolve it by offering to return the money. Navy Federal claimed I had spent the funds, but at that time I had sufficient money in my account to cover the disputed amount. I had no knowledge that the deposits were fraudulent and only spent funds under the belief that I was using my own hard-earned money. 
This restriction has caused me significant harm : Complete loss of access to my funds. 
Risk of closed credit accounts and resulting negative impact on my credit score.

Being treated as if I committed fraud, despite having no history of fraudulent activity since joining in XXXX. 
Lack of due process and transparency in how Navy Federal handled the matter.

I understand that financial institutions must protect themselves from fraud, but members should not be penalized without due process or communication. Navy Federals actions have effectively punished me, the victim, while offering no opportunity for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

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 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> I did a transaction on cashapp that never went through and my account has been locked since and transaction still says pending. I cant access my funds. Cashapp keep saying they working on it and i will get a email in XXXX business days. And almost XXXX XXXX later still no progress. I've called and chatted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: ME

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my Equifax credit report that have caused significant harm to my creditworthiness and financial standing. Despite my attempts to resolve these issues directly with Equifax, the incorrect information remains on my report and continues to negatively impact my ability to obtain credit. 

First, my report lists addresses that have never been associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at these locations, and their inclusion on my credit report creates a risk of mistaken identity and potential fraudulent activity being attributed to me. Reporting inaccurate addresses violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to maintain accurate information.

Additionally, my report contains two charge-off accounts from XXXX XXXX under the same account number but with different balances. One shows a balance of {$9000.00} opened on XX/XX/XXXX, and the other shows {$930.00} opened on XX/XX/XXXX. Both accounts are inaccurately reported as charge-offs. I have never been delinquent to the extent reported, and the continued reporting of these accounts without proper verification violates FCRA 1681i ( a ), which mandates a reasonable investigation of disputed items, and 1681s-2 ( b ), which requires furnishers to provide accurate information. 

Finally, my report lists a late payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance. This late payment is incorrectly reported and does not reflect my actual account activity. Reporting inaccurate late payments violates FCRA 1681i ( a ) and 1681e ( b ), which mandate that disputed information must be verified and that credit reporting agencies maintain maximum possible accuracy.

These inaccuracies collectively have caused undue stress, potential financial loss, and damage to my credit reputation. I request that the CFPB forward this complaint to Equifax for a full investigation and that each disputed item be verified and corrected or removed. I seek confirmation that my credit report will accurately reflect my true financial history and that all unverified, incorrect, or misleading information will be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Account Reference : Partial Account # [ insert as shown on report ] / XXXX XXXX. 


-- - Issue Category Credit Reporting Incorrect information on credit report -- - Detailed Description of the Issue I am filing this complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding their reporting of a XXXX account. 

On XX/XX/year>, I sent XXXX XXXX a certified cease-and-desist + dispute letter under XXXX XXXX. XXXX ( c ), FCRA XXXX, and XXXX XXXX compliance requirements. XXXX XXXX confirms delivery on XX/XX/year>, at XXXX PM in XXXX, VA ( Tracking # XXXX ). 

Despite this, XXXX XXXX continues to report and update the account with inaccurate, misleading, and re-aged information. They are in violation of : FCRA 611 ( a ) : Failing to properly investigate disputes.

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers duty to conduct a reasonable reinvestigation after receiving notice from the bureau. 

XXXX XXXX & XXXX Standards : Failure to apply the XB dispute code while the account is under investigation. 

FDCPA 1692c ( c ) : Continuing collection activity after receiving a cease-and-desist request. 


Additionally, TransUnion has already deleted this account from my credit report, which further shows that XXXX XXXX reporting to XXXX  and Equifax is inconsistent and inaccurate. 

I have also filed a complaint with the Federal Trade Commission ( FTC Report # XXXX ) regarding these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX XXXX I was contacted by a Wells Fargo impersonator. He blocked my account, closed debt card and said he was setting up a new account. Turns out it was false and XXXX was retrieved out of my account. I didnt give him and passwords or codes or log in information but Wells Fargo XXXX since I participated, XXXX not getting any refund for fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX  {$210.00} XXXX XXXX  {$200.00} XXXX XXXX {$10000.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
They failed yo send debt validation that I actually owe them. Contracts between me and their company and any signatures. They just updated their name and dates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against TransUnion and Creditors for Inaccurate Credit Reporting Dear CFPB, I am submitting a formal complaint against TransUnion and several furnishers of information for reporting inaccurate and unverifiable information on my credit file. Despite my right under the Fair Credit Reporting Act ( FCRA ) to accurate reporting, the following items remain on my TransUnion credit report : Disputed Items : XXXX XXXX XXXX ( Auto Loan ) Reports XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. I dispute the accuracy of these late payments and request proof from the creditor. If documentation can not be provided, these derogatory notations must be removed. 
XXXX XXXX Credit Card ( Closed XX/XX/XXXX ) Listed as Closed by credit grantor. This negative remark is damaging and unverified. I request reinvestigation and correction. 
XXXX XXXX Bank ( Secured Card, Closed XX/XX/XXXX ) Also marked Closed by credit grantor even though payments were made as agreed. I dispute this reporting as inaccurate. 
XXXX Account Closure ( {$240.00} ) This is reported through supplemental data on my TransUnion file. I dispute this account closure as inaccurate and unverified. Please require the reporting bank to provide evidence. 
Requested Action : I request CFPB oversight to ensure TransUnion and the above creditors conduct proper reinvestigations. 
If they can not verify the accuracy of these items within 30 days, I request deletion of the disputed information from my credit file.

Enclosures : Copy of my TransUnion credit report with items highlighted Proof of identity ( ID, utility bill, etc. ) [ Any supporting documents you have : receipts, statements, payment confirmations ] Thank you for your assistance. Please hold these companies accountable under the FCRA and ensure my credit report is corrected. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am formally disputing the loan account number XXXX with XXXX XXXX due to predatory and unconscionable lending practices. The loan was dated for XX/XX/year>. 

The disclosure provided by XXXX XXXX reflects an Annual Percentage Rate ( APR ) of XXXX XXXX  on a {$3000.00} loan. According to the Truth in Lending Act ( XXXX ), lenders are required to provide fair and transparent terms. A loan structured with such an extreme APR and finance charge of $ XXXX the repayment total to $ XXXX excessive, abusive, and inconsistent with reasonable lending practices. 

These terms meet the definition of predatory lending because they : XXXX. Exploit vulnerable borrowers by imposing usurious rates that far exceed fair lending standards.

2. Create a cycle of debt that is virtually impossible to escape.

3. Violate the principle of good faith and fair dealing, as the loan terms are grossly one-sided in favor of the lender. 

I am therefore disputing the validity and enforceability of this loan. I demand that XXXX XXXX : Provide documentation showing that this loan complies with state usury laws and federal lending standards. 
Immediately cease all collection activities and credit reporting related to this loan until validation is provided. 
Remove this account from my credit reports if you can not prove this loan is legal, fair, and enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company National Credit Systems claims that i have debt with them of XXXX for an apartment ( XXXX XXXX ) that i have never lived in! they have been text messaging me and calling me and i dont understand how they even got my number!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander consumer USA and XXXX XXXX XXXXXXXX unlawfully reporting and sharing my personal Trademark Name with third party companies and the major credit bureaus without my legal consent which has cause me harm XXXX  pain and denial of credit loans or any financial assistance from other companies on the personal and business side on a previous complaint in there response Santander stated they confirmed that they did not buy sell or share my personal information but I have evidence that they did in fact do so they requested a social and valid ID also in reference to my trademark name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit report contains inquiries that I do not recognize. I never applied to these companies nor gave them permission to access my credit file. These inquiries were done without my consent and violate my rights as a consumer. This situation has caused me significant stress and added unnecessary burden to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CT

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 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 non-monetary relief