vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im requesting your help to investigate the accounts from these companies that have been incorrectly reporting late payments. After checking my credit report, I saw some accounts showing late payments that should not be there. Please remove these late payment remarks and update the accounts to show a positive standing as agreed.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
Have tried to set up repayment they did not send the first time and now they will not respond or call me back. Left multiple messages the one time I talked to someone they stated I had to contact my county clerk which the clerk stated was untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
I financed services through GreenSky for XXXX XXXX. 
XXXX XXXX has since declared bankruptcy and ceased operations ( details below ). 
I did not receive the full services paid for to GreenSky which has refused to refund the {$2000.00} you already paid. I asked for a partial refund and even that has been denied. 

XXXX XXXX  bankruptcy details : case number for XXXX XXXX XXXX is XXXX. This case was filed in the XXXX Bankruptcy XXXX for XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ). The case was initially filed as a XXXX  XXXX bankruptcy on XXXX XXXX, 2024, and later converted to XXXX  XXXX on XX/XX/scrub> 2024.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. XXXX XXXX :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Dear XXXX, Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case # XXXX, XXXX, XXXX and XXXX.. 
An investigation of your claim submission and account details concluded that this is an authorized transaction, and no error occurred. 
For your reference, we have included a summary of the transaction ( s ) we analyzed in making our determination. In addition, we also reviewed your account/transaction history and profile settings. As a result, your dispute has been denied.

Date Status Amount Last 4 of Card Type Statement Description I RECEIVED REFUND FOR {$92.00} FOR ONLY THIS DISPUTE 1. Date XX/XX/year> at XXXX Status XXXX Captured Amount {$92.00} last 4 of card XXXX Funding Transaction XXXX XXXX XXXX REQUESTING REFUND FOR THE FOLLOWING DISPUTES 2. Date XX/XX/year> at XXXX Status XXXX Captured Amount {$54.00} last 4 of card XXXX Account Funding Transaction XXXX XXXX adelakurpitova XXXX XX/XX/year> at XXXX Status XXXX Captured amount {$54.00} last 4 of card XXXX Account Funding Transaction XXXX * XXXX 4 . Date XX/XX/year> at XXXX Status XXXX Captured amount {$51.00} last 4 of card XXXX Account Funding Transaction XXXX XXXX XXXX TOTAL AMOUNT TO BE CREDITED TO MY ACCOUNT {$160.00} I received a email from CFPB that Cash App would be handling this. So I tried to contact the support dept and was given no information they asked me to go to the help desk they have a statement that at this time they have no information regarding the status of refunds. I called the number on the help desk page and I got the same response they have no status. No live person is able to speak with. I don't see any changes in their customer service. They are not making an effort to obtain the customers that are due funds. The only way to get refund seems to be direct contact with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-20 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase closed my credit card account suddenly on XX/XX/XXXX, without warning. I signed into my account that weekend only to discover my credit card account had been closed. Following numerous calls, emails, and messages to Chase, I learned their decision was " bank policy. '' I finally received a letter from Chase stating this claim too. I contacted the number listed on the letter and also reached out to executive card services to escalate my complaint. I also wrote a letter to Chase appealing the decision. I was finally told that I had allegedly made too many disputes. I requested evidence of this, but it was not supplied. I asked for my card to be reinstated, because I have been an excellent client for almost 15 years, but they refused to re-open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received an email from Capital One on XXXX saying my Spark! card had been cancelled due to inactivity. They say they sent a letter in XXXX of XXXX letting me know the card was going to be cancelled. 

When I called about my Rewards Balance of {$1300.00}, they said that the balance went to zero when the card was cancelled. 

At no point did I see any communication about that. I do have another Capital One card and the balance could have easily been transferred to that. 

I am including : The last statement for this card showing the Reward balance A copy of the letter they say was sent in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company : Multiple ( Midland Credit Management, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Multiple debt collectors are reporting fraudulent accounts with illegal inaccuracies, violating the FCRA and FDCPA. 

1. Midland Credit Management ( Account # XXXX - {$630.00} ) - Impossible Dates : " Collection as of XXXX XXXX to XX/XX/XXXX '' ( time discrepancy ) - Illegal Reporting Timeline : * * Claims it will remain until XX/XX/XXXX ( beyond 7-year FCRA limit ) - Original Creditor : " XXXX XXXX XXXX ( misspelled, unverified ) Account # 2 ( XXXX - {$500.00} ) - Impossible timeline : " XXXX XXXX to XX/XX/XXXX '' - No proof of ownership from alleged creditor Account # 3 ( XXXX - {$1000.00} ) - New Violations Found : - Duplicate XX/XX/XXXX entries ( proves faulty reporting ) - Original creditor : " XXXX XXXX XXXX XXXX XXXX' ( unverified XXXX XXXX XXXX until * * XX/XX/XXXX * * ( beyond 7-year limit ) # 2. XXXXXXXX XXXX  ( Account # XXXX - {$880.00} & # XXXX - {$260.00} ) - Fraudulent Dates : - Account # XXXX : " XXXX XXXX to XX/XX/XXXX '' - Account # XXXX : " XXXX XXXX to XX/XX/XXXX '' - Balance Discrepancies : - Account # XXXX shows both {$790.00} and {$790.00} - Account # XXXX reports {$260.00} for 13+ months ( no change ) - Original Creditor Issues : - " XXXX XXXX XXXX XXXX  '' ( unverified ) - " XXXX XXXX '' ( highly questionable reporting ) 3. XXXX XXXX XXXX ( Account # XXXX - {$410.00} ) * * - Time Fraud : Claims collections from * * XX/XX/XXXX to XXXX XXXX * * ( impossible date range ) - Balance Inflation : Original {$290.00} * * inflated to {$410.00} ( 43 % increase ) - Illegal Reporting Timeline : Says it will remain until * * XX/XX/XXXX * * ( beyond 7-year limit ) - Faulty Payment History : '' No Data '' months mixed with collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
Have tried to set up repayment they did not send the first time and now they will not respond or call me back. Left multiple messages the one time I talked to someone they stated I had to contact my county clerk which the clerk stated was untrue

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 2025-05-20 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: PA

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
So for about XXXX  years or so Ive had this loan from XXXX and at first it was XXXX or whichever doesnt charge interest as long as Im in school and everything like that. So XXXX or XXXX  years go by and I get a letter in the mail and it says theyre changing loan companies so I set everything up and at the time MOHELA XXXX a XXXX  loan company Im pretty sure. Then XXXX signed the XXXX order to put my payments on hold so I was waiting and checking every once in a while still no information. Mind you this is about a year ago maybe a little more since that happened so my loan go pushed back for payments a little longer. Then I checked in a little before XXXX nothing there. I had already had to create a whole new log in on a new site since MOHELA signed a government contract. Mind you this has been XXXX years so I dont even know the email theyre using or if most of the information is correct. Then Im getting a credit report that says Im behind and I go to check and its been a few months but I didnt get anything in the mail or any emails like I said I dont even know what email they had on file since when I went to register for them years ago. Then I went to the website I went to before and apparently since they signed that gov. XXXX they had a whole other website I had to register for and sign up all over again so how would I have even known? Then they hit my credit report first with delinquent payments which is whatever. Now Im getting a derogatory account after Ive paid them XXXX dollars of the XXXX I owe. I paid the beginning of the month and theyre still hitting my account XXXX weeks later. I tried to call to see if I can get my record fixed if I pay it off and all that and the representative said I have to contact BBB or I believe you guys in order for that to happen. They dont have the department that works on stuff like that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My card was lost or stolen after I went to the gas station. I think I may have dropped it when getting gas. There were several charges on XX/XX/year> and XX/XX/year> that were not authorized by me and I had to go to the bank to get a new card made. Navy federal has denied my claim saying the charges are valid but theyre not. I need my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX : {$3600.00} Open Date XX/XX/XXXX XXXX CARD Balance : {$1600.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$420.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX UPGRADE XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance XXXX {$1400.00} Open Date XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I previously applied for a XXXX XXXX credit card with a limit of XXXX dollars. I did utilized the card for small purchase. The card was lost or stolen and used. I am disputing the balance due to fraudulent activity.

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 2025-05-20 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: WI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief