vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1XXXX, 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 2025-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: VA

Complaint narrative:
I am a Cash App user and have sent them multiple documents showing my legal name change and they have failed 3 times to change my name on my card & on my account. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I notified when they were added. The information reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) that requires maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires full and accurate disclosure of my credit file.

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 2025-09-27 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:
My number is XXXX. The outdated number XXXX. Should been updated on my credit bureau account and will be updated Monday with CFPB. 

This is a follow-up to CFPB COMPLAINT ( XXXX ). In the prior complaint the credit bureau stated they would take 60 days, to respond to a dispute I filed.- this exceeds the 30 days limit outlined in the fair Credit Reporting Act ( FCRA ). With only a 15 day extension allowed if additional information is provided by the consumer during the initial period. 

I was unable to respond to the company 's message in the portal because the case was closed. After their initial ( non-complaint ) reply. This left no opportunity to contest their time-line or request CFPB oversight. 

Request action : * Reopen or review this complaint * Ensure the Credit bureau is held to the legal 30 day timeline ( or 45 days if properly extended ). 
* Take enforcement or escalation action if the bureau fails to comply.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have reached out to Chime on four separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about my account. Yesterday ( XX/XX/XXXX ) I went to to login in my account and notice I couldnt get in and that my account was closed. I wasnt given a notice, I reached out first by email then I had called. I explained everything from how I havent had my physical card since last year and that the last time I was fully able to see my card I had an negative balance of XXXX dollars. I havent used my chime account since XX/XX/XXXX thats when I lost my card. Yesterday ( XX/XX/XXXX ) they told me that they couldnt reopen my account nor refund me the money that was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have the XXXX XXXX. Experian has two credit cards open in my name. My credit cards have been hacked several times and they're all closed but I only have one now. It was fixed in XXXX of XXXX. They have my very first credit card that I got in XXXX of XXXX  still open. As soon as I started investigating this, my credit score went from near perfect all the way down to XXXX and it destroyed my credit. I did a dispute. They said they fixed it but it's still on my record till XXXX. There's no reason my credit score should drop that low just for me telling them to fix something. Also, Equifax has my wrong address but they refuse to fix it without having me send in a lot of personal information and via the mail that I would rather not. All my credit is locked. I only have one credit card. I have no mortgage and I have no car payment. There's no reason my credit should have dropped that low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: IL

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX collection ( orig. XXXX XXXX ), account beginning XXXX, with Metro 2 conflicts : Account Type shows Open Account and Loan Type Factoring Company, while Status/Remarks say Collection. XXXX also lists Past Due {$610.00} and High Balance $ XXXX that do not apply to third-party collections ( should show Collection/Debt Buyer, Current Balance, and Original/Charge-off Amount if applicable ). XXXX provides Estimated removal XX/XX/2026 but not the DOFD required by 623 ( a ) ( 5 ). This is misleading and not 1681e ( b ) /Metro 2 compliant. Please reinvestigate and correct or delete if not substantiated.

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 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Starting in XXXX, I have called every month up to twice a month letting them know my account is showing delinquent but I have the payment records showing all payments have been made. On Mohela website it shows all my automatic payments are being paid monthly as well. The payment amount was set by Mohela. However, it shows a delinquent and past due amount of XXXX XXXX Every time I call, the agent agrees there is an issue with my account but they cant seem to fix it. Then I was reported to the credit bureau as not making payments and this has continued over the past 3 months. My credit score has dropped significantly because of this and they are not fixing the problem. I can provide payment records, phone records, reference number to a letter written by Mohela agent to credit bureau stating they made a mistake and to remove the delinquent from my credit report. However, nothing has been corrected.

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received a bill for an bill Of a debt I dont know about I the requested proof of contract and anything that will verify this debt since I has no knowledge of this acct the debt is now in my credit and I have not received the requested information send on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Subject : Formal Complaint Against Navient for Failure to Validate Debt and Engaging in Illegal Debt Collection Practices To Whom It May Concern : I am writing to file a formal complaint against Navient for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and for engaging in deceptive, harassing, and unlawful debt collection practices. 
I have made a formal request for debt validation to Navient in accordance with the FDCPA. Despite my lawful request, Navient has failed to provide any debt validation to date. A copy of the most recent certified letter and the certified mail receipt sent to Navient is attached. 
Specifically, my request included the following documents, which Navient has not provided : XXXX. The original promissory note, bearing my wet-ink signature, outlining the terms of the loan including interest rates and repayment schedule. 
XXXX. A detailed payment history, including the original balance, all payments made, credits, interest charges, penalties, and fees applied to the account. 
XXXX. Proof of assignment or transfer of the debt, demonstrating the complete chain of custody from the original creditor to Navient, along with legal documentation establishing their right to collect on the alleged debt. 
XXXX. A clear calculation of the current outstanding balance, including all interest, fees, or charges added. 

Furthermore, Navient has engaged in illegal and abusive collection tactics. Most egregiously, they sent a letter to a third party alleging the death of my Mother, the alleged co-signer on the loan. This was entirely false, and this deceptive action has caused significant emotional distress to me and my family. 

This action is a direct violation of the FDCPA, which prohibits debt collectors from communicating with third parties about alleged debts without the consumers prior consent. Navient 's communication with a third party about this matter, particularly involving false claims about a family members death, is not only abusive and deceptive, but also emotionally traumatizing, and constitutes unlawful harassment under federal law. 

A copy of this disturbing and egregious letter sent to the third party is attached to this complaint. Navient has a well-documented history of deceptive collection practices, having faced multiple lawsuits and regulatory actions for violating consumer protection laws. My experience is consistent with these patterns of abuse and neglect for consumer rights. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to hold Navient accountable for their unlawful practices and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
Im in XXXX, AZ, and earlier last year, my XXXX XXXXXXXX XXXX was taken by a company called Select Remarketing Group. They claimed they were acting on behalf of XXXX  The problem? I never signed a loan agreement with XXXX. No lien. No contract. Nothing. 
I sent certified demand letters to both companies asking for proof of their legal authority to take my vehicle. No response. Not even a denialjust silence. I now have a signed affidavit from an individual who say XXXX  employees paid them {$300.00} to sign loan documents for my car they didnt own. This signatures was used to justify taking possession of my XXXX XXXX. This is not just potentially criminal it is 100 % criminal. 
To make matters even more suspicious, XXXX  and Select Remarketing Group appear to share the same legal department. More than that they both have the same name reported as the owner of both companies. Ive raised this as a conflict of interest in my formal complaint to the Arizona Attorney General. At this point XXXX  and Select Remarketing Group have gotten away with out right car theft. I have been out right ignored from the legal department. The police department keeps telling me that this is a civil matter, but i do not understand how. I have not ever done business with XXXX  or XXXXelect Remarketing Group, EVER!!! This has cost me my job, my home and my grandkids XXXX presents were in that XXXX XXXX. When it was first taken I could get no information out of anyone because the loan was not in my name, However the XXXX XXXX is registered to and NO ONE ELSE. How could you take a car for a loan in a person name other than the name of the rightful legal owner name? This is truly a nightmare!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/year> I sent a letter of notarized letter requesting verification of this debt via mail I still have not received any verification of this debt and this debt is not mines or it was opened without my knowledge Im asking to provide me with proof of contract between me and the company, address use ( service addresss as well ) payments made and anything that verify this debt this is really affecting my credit and I waited long enough to get a response from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax XXXX Experian XXXX TransUnion Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1800.00} This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX, VA XXXX Re : Request for Validation of Alleged Debt Account/Reference No : XXXX Dear PORTFOLIO RECOV ASSOC, I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809.

Please provide the following : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A complete account history, including all statements and payments.

4. A copy of the original signed agreement bearing my signature.

Until this information is provided, you must cease collection efforts and reporting to credit bureaus. If you can not provide proof, you must remove this account from all credit bureau reports immediately. 



Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning systems has committed identity theft against me when they brought, sold, and traded my personal information for monetary gain without my consent. Early warning Systems stated I didnt provide my personal information to verify my account which I had sent in. Nothing was resolved and they closed my complaint without resolving my issue.

Company response to consumer: Closed with explanation