vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The balance of this account is wrong. 
Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXXXXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I have been disputing unauthorized transactions on both my debit and credit cards involving XXXX XXXX. This individual is conducting business illegally, without proper licenses or credentials. I have confirmed these details through independent research. 

I promptly reported the transactions to Navy Federal Credit Union and provided all requested evidence. Despite this, NFCU continues to send repetitive requests for documentation I have already submitted, delaying the resolution process. 

To further illustrate the legitimacy of my dispute, XXXX XXXX Bank has already investigated and reversed identical charges from this same individual, recognizing the transactions as unauthorized and fraudulent. 

I believe NFCU is failing to follow proper procedures under Regulation E ( Electronic Funds Transfer Act ) and Regulation Z ( Credit Card dispute protections ). Their failure to properly investigate and resolve these disputes is causing me financial and emotional distress. They gave me a {$5000.00} provisional credit, and then deemed the charges legitimate ( which they are not ) and then took the credit back which overdrew my account by $ XXXX dollars and then drained my savings account to make up for the overdraft. 

I am requesting the CFPBs assistance to ensure NFCU conducts a fair, thorough, and timely investigation of my disputes and returns any unauthorized funds to me as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-07-07 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-07-07 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt collection agency is reporting inaccurate information to credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA has not been managing my federal student loans properly. I consolidated and applied for the XXXX program for a large federal loan in XXXX of XXXX after I graduated. As the injunction happened directly after it has been in processing ever since, or it should be. This should be a XXXX forbearance with 0 % interest accrued for the time being until the DOE decides on what they are doing with this payment plan. MOHELA has constantly switched my status and some months I am accruing interest while others I am not. I have called an upwards of 4-5 times within this year and each time they original person answering gives me false information and I am escalated to the next in line or the supervisor. Each time I am given different information after a multi-hour hold, with one being 9 hours of holding only for their working hours to close and me get disconnected. I should be on automatic no-interest accruing SAVE forbearance. I have been told different things such as : I don't qualify for no-interest, I do qualify for no-interest, my forbearance should happen automatically ignore the bills, I need to call every 60-days. They have sent me multiple documents some saying I am accruing interest, others saying I am not. Some saying I am in a standard repayment with XXXXXXXX XXXX of dollar payments, which I have been told to ignore as these are " automatic. '' I did not ignore them until this XX/XX/XXXX when I got another one, which I took their advice and ignored due to the hour wait times on hold... well once I ignored them they sent me another in XXXX and say that I am now delinquent in payment. Called them again and they are saying I have to call every 60 days to reapply for forbearance and that my interest of XXXXXXXX XXXX of dollars will be removed " eventually. '' They are mismanaging my loans that are currently at an exorbitant amount and I do not feel comfortable with them servicing them.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I continue to receive fraud calls to collect {$310.00} from Credence Resource Manager ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX for a XXXX bill that I do not owe. I contacted XXXX directly and have been assured that this is a fraudulent call and that I do not owe any funds.

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

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AVANTE
State: LA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX there was 2 payments in XXXX ( XXXX and XXXX ) that were charged to my account but unknown to me they were reversed and I didn't catch it. Every other month was sent and received perfectly on time. On XXXX a random person pulled onto my private property to " repo '' said property. Completely taken off guard i showed the repo person the previous 12 months of perfect payments but noticed that the creditor didn't automatically take the XX/XX/XXXX payment as they have for the previous 32. The creditor will not speak to me or allow me to pay the outstanding debt. The collection agency will not let me pay the outstanding debt without repossession the property which will add fees and costs to me for no purpose. I was never informed one time officially of the behind notice or pending " repo ''. It's my belief that the creditor purposely stopped the XX/XX/XXXX autopay to prompt a " 60 day '' consecutive non payment. Which isn't accurate either as they accepted the XX/XX/XXXX payment so I'm less than 60 days in default and only due to not being allowed to remedy the situation. I have paid well in excess of 60 payments to this creditor without issue in the last 15 years, the record clearly shows that this is a miscommunication and mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I am reaching out about an account that I had through XXXX XXXX Bank. I am disputing the accuracy of this account that is on my credit report, according to the Fair Credit Reporting Act FCRA section 15 USC 1601. This account has been transferred to multiple agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Inflection.com, Inc.
State: FL

Complaint narrative:
I recently became aware that GoodHire may possess or process personal data about me without my knowledge or consent. I have never authorized or signed any background check consent form permitting your company to access, retain, or share any information about me, including sensitive data such as my Social Security number or any background screening data.

This collection or retention of personal information violates several provisions of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681b No permissible purpose exists for obtaining my information ; 15 U.S.C. 1681e ( a ) Failure to establish procedures to ensure only authorized users access consumer data ; 15 U.S.C. 1681q Knowingly obtaining consumer information under false pretenses constitutes a federal offense ; Aggravated Identity Theft under 18 U.S.C. 1028A, due to unauthorized handling of my personal identifiers.

At no time did I apply for a position requiring background screening through GoodHire or provide any company authorization to furnish my personal data for such use.

This unauthorized handling of my identity and private information is unlawful and must be corrected immediately.

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

Complaint narrative:
Reporting agency violated my rights under 15 u s c 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-07 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: TX

Complaint narrative:
This account is inaccurate. Im seeking Litigation. Please delete at once.

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 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 2025-07-07 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: FL

Complaint narrative:
To Whom It May Concern : This letter is in direct response to Equifaxs refusal to comply with its statutory obligations under the FCRA as outlined in your XX/XX/year> correspondence. Your claim that my documentation is incomplete is categorically false and appears to be a blanket denial designed to avoid compliance with federal law. 

I have already provided : A complete FTC Identity Theft Report ( Confirmation # XXXX ), Government-issued identification, A signed, detailed dispute letter identifying the exact fraudulent tradelines, Supporting evidence with mailing proof, and Multiple prior CFPB complaints confirming this issue remains unresolved. 

You are now in violation of the following federal statutes : FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates a block of identity theft-related tradelines upon proper documentation ; FCRA 1681i, for refusing to conduct a good-faith reinvestigation ; FCRA 1681e ( b ), for continuing to report inaccurate information despite notice ; FCRA 1681g, for failing to provide verification and source details upon request.

I demand that you immediately : 1. Block or delete the fraudulent and unverified accounts identified in my prior communications ; 2. Cease the unlawful obstruction of my federally protected consumer rights ; 3. Confirm in writing the removal of said tradelines and any updates made to my credit file.

Failure to do so will result in a formal escalation to the Federal Trade Commission, the Attorney Generals office, and further regulatory and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that JEFFERSON CAPITAL SYSTEMS purchased from another 3rd party debt buyer. Jefferson Capital Systems and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Jefferson Capital Systems is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Self Financial Inc.
State: OH

Complaint narrative:
i have not applied for any auto loans and have many on my report. Under LAW 15USC 1681N, I am requesting these hard inquiries be removed immediately as I will pursue legal fees of {$1000.00} per inquiry ( 25 on my report over last 45 days ).

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

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief