vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: CO

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 2025-09-01 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: MI

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 non-monetary relief
Consumer complaint received 2025-09-02 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:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifax s refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
XX/XX/year> Amount {$1000.00} The action is taking by me that this amount is put on freezing due to the traffic and hardship on the job... financial wise..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I get an email about authorizing them to email me which I did not. The letter the landlord XXXX XXXX  is required to send was sent on Friday. Now they are attempting to collect on a debt that I have gotten nothing but emails about. When speaking to XXXX XXXX took 5 times to just get an address. This collection agency is attempting to collect a debt that has not even been responded by the landlord

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
XXXX XXXX  ( serviced by XXXX ) is reporting inaccurate and unlawful information across all three credit bureaus. The account has been re-aged, reinserted after deletion, and is being reported with conflicting balances and statuses, all without proper validation. These actions violate the Fair Credit Reporting Act ( FCRA ). 

Key Facts Re-Aging of Account TransUnion : Reported account updated on XX/XX/year> despite earlier deletion. 

Experian : Reported as Past Due as of XX/XX/year>. 

Equifax : Reported Past Due with an update date of XX/XX/year>. 

Each bureau is showing fresh updates as if this is a new delinquency, despite the account being old and previously disputed. 

Re-Insertion Without Proper Notice TransUnion previously provided notice that this XXXX XXXX  account had been deleted. 

Despite this, the account reappeared and was updated again in XX/XX/year>. 

No written notice of re-insertion was provided as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Conflicting and Inconsistent Reporting Across Bureaus TransUnion, Experian, and Equifax all show different balances, dates, and statuses for the same account. 

These discrepancies make it impossible for me, lenders, or regulators to determine what is accurate. 

This is a textbook violation of 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ). 

No Validation or Verification I have disputed this account multiple times via certified mail. 

XXXX XXXX has not provided any validation of the debt. 

The bureaus continue to report it anyway, in violation of 15 U.S.C. 1681i. 

Violations of Federal Law FCRA 1681i Failure to reasonably investigate disputes.

FCRA 1681i ( a ) ( 5 ) Re-insertion without required notice.

FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy.

Harm Caused My credit score is being artificially suppressed by re-aged and reinserted reporting. 

I am unable to access fair credit and financing opportunities. 

The continued reporting has caused emotional stress, wasted time, and reputational damage. 

Supporting Evidence ( to attach/upload ) TransUnion deletion notice for XXXX XXXX  account . 

Screenshots showing TransUnion, Experian, and Equifax each reporting different statuses in XX/XX/year>. 

Certified mail receipts proving disputes sent. 

Copies of prior dispute letters to XXXX XXXX and to the bureaus.

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 2025-09-01 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: PA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Against : Navy Federal Credit Union XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Unauthorized and Duplicate Charges Navy Federal Credit Union More Rewards XXXX Details of the Complaint : I am filing this complaint because Navy Federal Credit Union has denied my fraud claim regarding two unauthorized transactions totaling {$7900.00} each, processed by Budget Rent a Car on my More Rewards XXXX XXXX ending in XXXX. 
1. Transaction 1 : {$7900.00} Transaction Date : XX/XX/year> | Posted : XX/XX/year> 2. Transaction 2 : {$7900.00} Transaction Date : XX/XX/year> | Posted : XX/XX/year> I did not authorize either transaction. These charges appear to be duplicate postings for the same merchant on the same date. Despite my formal dispute, Navy Federal closed their investigation and denied my claim, stating they found no fraudulent activity. 

This is inaccurate and unfair because : Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1666, consumers are not liable for unauthorized charges. I had no knowledge of or involvement in these transactions.

Under the Fair Credit Billing Act ( FCBA ), creditors must correct billing errors, including unauthorized or duplicate charges, once properly disputed.

Navy Federals denial disregards the fact that this transaction was posted twice, creating a duplicate charge that is clearly an error. 
I exercised my right by promptly reporting the unauthorized activity, yet my financial institution failed to provide proper protection or a good-faith resolution. 

Requested Resolution : I am requesting that the CFPB require Navy Federal Credit Union to : 1. Refund the full {$7900.00} immediately, reversing the unauthorized/duplicate charge ( s ).

2. Correct my account balance and ensure no interest or fees are applied to the disputed amount.

3. Provide documentation explaining why two identical charges were posted and why they denied my legitimate fraud claim.

Navy Federal has failed to uphold my legal protections under federal law. I am requesting the CFPBs urgent assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation ( FDCPA 809 ) To Whom It May Concern, I am writing in response to your report dated XX/XX/XXXX regarding the alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of any fees, interest, or charges.

A copy of the original signed agreement or contract that makes me legally obligated to pay.

Documentation showing you are authorized to collect this debt.

Verification that the statute of limitations for collecting this debt has not expired.

Until you provide proper validation, you must cease all collection activities, including reporting this debt to credit reporting agencies. If you have already reported it, please notify them that the debt is currently in dispute.

This is not a refusal to pay, but a request for proof that I am legally responsible for this debt. Please respond within 30 days from the date you receive this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: DE

Complaint narrative:
Around XX/XX/XXXX, I received my federal student aid refund through Cash Apps direct deposit system. At first, I was able to use my Cash App card and account without any issues. However, around XX/XX/XXXX, my account suddenly became unverified. I immediately attempted to re-verify my identity, but every time I tried, the app skipped past the verification screen and showed an error saying it was unable to verify my ID. The app never gave me the chance to actually submit my information. The only details I was able to provide were my address, name, and Social Security number none of which have changed but the app still gave me the same error message. I contacted Cash App support many times, both through the in-app chat and by phone. Each time, I was told the only way to access my funds was to verify my identity, but I kept explaining that the app itself would not allow me to complete verification. No one provided a workaround or an alternative option. XXXX also told me that identity verification can not be done outside of the app, even though I have all the necessary documents. At XXXX point, I was advised to transfer the money into my linked bank account, but that account was inactive and could not receive funds. When I removed it and tried to add a new account, the option disappeared. Now the app requires a debit card before I can add any bank account, but I do not have a debit card for my accounts. This has left me stuck in a loop with no way to access my money. Currently, there is about {$130.00} in my Cash App account that I can not use. I need this money for XXXX, clothing, transportation, and food. While I understand Cash App has to verify account ownership, I should still have a functional way to verify my identity or otherwise access my funds. Instead, the system failure combined with unhelpful customer support has left me completely locked out of my own money. This has been the longest, most frustrating issue Ive ever had with a financial service, and it feels like there is no end in sight unless Cash App provides a real solution to verify my identity and release my funds. The only solution they have suggested is for me to create a new bank account and debit card, which would cost me money I currently can not access. I am requesting that this issue be resolved so I can access the federal aid funds that rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I want to remove all inaccurate information off my account including account CHRYSLER CAPITAL XXXX within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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:
These fraudulent accounts are not mine, and USC 1681g requires they be deleted in 15 days.

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