vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
A group called XXXX XXXX XXXX keeps contacting me about a debt with NetCredit, but I believe it may be from a fake company. They've been using intimidating language with me ( claiming that " we'll have to report your non-response to our client and it won't look good for you '' among other things ), and calling me repeatedly from different numbers, such as XXXX, XXXX, XXXX, XXXX, and several others, often several times a day. They also did not give me any information about the debt in writing nor give me a chance to dispute it. 

At first, they seemed legitimate, so I gave them my information, but when I asked about their online portal so I could make payments online, they told me they don't have one and only operate over the phone. Now I'm scared I may have given my info to scammers, although no money has been taken out yet. I did pay them XXXX dollars through a credit card, but thus far no other money has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
FIrst, there needs to be a descriptive option above that says " unjustifiable decrease in credit score ''. The reason for my contact & request for assistance today is because there is a XXXX XXXX & XXXX POINT DIFFERENCE between my Equifax FICO and XXXX scores for no good reason provided. Both scoring models are basing their respective scores using the SAME ACCOUNTS & account histories. Yes, I understand that each scoring model weighs each account history differently, but the point differential between the two is too wide & the FICO score is reputationally damaging as it is so low that it would prohibit me from renting a home and perhaps even gaining employment. Therefore, I'm asking for your assistance in compelling Equifax to raise my Equifax FICO score be more on par & within a fair range of my Equifax XXXX score. There shouldn't be any more than a XXXX point difference between the XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I wanted to report XXXX XXXX with Navy Federal. I stated to bank staff ( XXXX XXXX ) today that I no longer wanted staff to contact my job. XXXX XXXX XXXX emailed my job again afterwards. My HR department cc 'd me on an email reply. Prior to that, Navy Federal denied my mortgage loan application because they failed to ask about or understand that I worked remotely. My application was handeled in a very incompetent manner. The bank first approved me then denied me. XXXX constantly emailed my XXXX XXXX to ask about my duty location with intentions to deny me. My salary and work was already proved with my paystubs. I thought I signed something allowing the bank to verify my income and proof of employment only. XXXX sent childish emails with smiley faces and random ( she/her ) pronouns in the email signature. The email signature also listed a different company even though XXXX 's email is XXXX. Navy Federal staff appear young, childish and unprofessional. I wish for XXXX to be removed from my account and private ingormation completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AR

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit bureaus for reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 



Details of the Issue : Creditor : Applied Bank Account Number ( Last XXXX Digits ) : XXXX Amount Reported : {$600.00} Status : Charged Off Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Status Updated : XX/XX/XXXX ( which is in the future ) Problems with the Reporting : XXXX. Inconsistent and Incorrect Dates : The account was opened in XX/XX/XXXX and was charged off by XX/XX/XXXX, which seems premature. 

The status update reflects XX/XX/XXXX, a future date, which is impossible and suggests errors in reporting. 

XXXX. Account Was Sold But Still Being Reported : If this account was soldXXXX XXXX XXXX  should not be reporting an outstanding balance. The reporting must show a {$0.00} balance unless legally verified. 

XXXX. Incorrect Balance and Charge-Off Reporting : If the account was charged off, there should not still be an active past-due balance of {$600.00}. This is misleading and violates FCRA guidelines. 

XXXX. No Validation Provided : I have no knowledge of this account and have requested verification. Under FCRA 611, the creditor must provide supporting documentation to validate the debt.

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 2025-03-06 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
After 10 years of no escrow account on a 15 year traditional mortgage, I was told I needed to have an escrow account. The new escrow account increased my payment an additional 21 % from the agreed amount on the loan origination. After attempting to dispute the creation of the escrow account, which at the time of loan origination was never set up and was declined because I pay my own property taxes and insurance, Rocket Mortgage ( formerly Quicken XXXX Loans ) refused accepting my monthly mortgage payment. Rocket Mortgage then assessed late fees on the new higher arbitrary number and held my payments without applying to the loan. This sent my loan into delinquency with a negative impact on my credit report, and late fees equaling a substantial portion of my monthly principle+ interest payment amount. Despite repeated phone calls, Rocket Mortgage proved unwilling to show any documents that allowed them to do this, and refused to provide any explanation other than there was a mistake on an insurance document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: OR

Complaint narrative:
Subject : Formal Credit Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence I am writing to formally dispute inaccurate information on my credit report, which I believe has been negligently reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information may be held liable for negligence if they fail to comply with FCRA regulations. 
Upon reviewing my credit report, I identified the following inaccurate or unverifiable information : 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/year> According to the FCRA, you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to do so may result in legal liability under 1681o, which holds credit bureaus accountable for damages caused by negligent non-compliance.

I request the following actions : Conduct a thorough reinvestigation of the disputed items. 
Provide documentation verifying the accuracy of the information. If verification is not possible, the item must be deleted from my report immediately. 
Send me a written confirmation of the results of your investigation. 
Please consider this letter as formal notice that continued reporting of inaccurate information may result in legal action, including seeking damages as permitted under 15 U.S. Code 1681o. I expect a response within 30 days, per FCRA guidelines. 
Attached are copies of my credit report with the disputed items highlighted, as well as any supporting documentation related to this dispute. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
A

s a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company has communicated that the account in question is classified as Unverified. By legal standards, all account information must be verifiable and completely accurate. If the account in question is indeed unverifiable and inaccurate, it is imperative that the reporting be removed in its entirety. 15 U.S. Code 1681e ( b ) : requires that consumer reporting agencies ( CRAs ) must " follow reasonable procedures to ensure maximum possible accuracy '' when preparing credit reports.

Please view the company 's response below.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am demanding the immediate correction of the inaccurate personal information on my credit report. My correct and complete name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are legally required to ensure maximum possible accuracy in credit reports. Furthermore, 15 U.S.C. 1681b mandates that consumer information must only be reported for a permissible purpose. The continued presence of incorrect name variations and outdated or inaccurate addresses is unacceptable, unlawful, and must be corrected without delay. I demand the immediate removal and update of all incorrect personal information to reflect only my accurate details. Failure to take swift action will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to liability of {$1000.00} per violation. I expect immediate compliance to ensure my credit file accurately reflects my identity, and I will take further action if these errors are not corrected at once.

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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: WI

Complaint narrative:
I have no knowledge of this account and did not authorize the opening of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> 2025

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 2025-03-06 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:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was defrauded through Cash App when attempting to purchase a vehicle. A seller on XXXX requested a deposit via Cash App before I could pick up the car. Immediately after sending the money, I contacted the shop where the car was supposed to be located, and they informed me that this was a known scam. 

I immediately disputed the transaction with CashApp, providing all necessary details about the fraud. However, Cash App denied my dispute without providing any explanation or justification for their decision. Additionally, they erased the record of the transaction from my Cash App transaction history, making it more difficult for me to gather documentation. 
This handling of my case raises serious concerns : 1. Failure to properly investigate Cash App refused to provide a reason for denying my claim. 
2. Erasure of transaction records This may indicate an attempt to avoid accountability. 
3. Non-compliance with consumer protection laws Given the recent enforcement action against Block ( Cash Apps parent company ) by the CFPB regarding fraud handling, I believe my case may have been improperly dismissed. 

I request that Cash App : Provide a written explanation of why my claim was denied. 
Restore my transaction history so I can retain records. 
Reevaluate my fraud claim under proper regulatory scrutiny. 

I am seeking assistance from the CFPB to ensure that Cash App follows consumer protection laws and provides the refund I am owed. In the attached there is the XXXX dialog ( XXXX deleted the account after my report ) and the request for refund denied without explanation erased transaction history by cashapp after denying the refund without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corp for inaccurate and misleading credit reporting that is negatively affecting my credit profile. Despite my previous attempts to dispute the inaccuracies directly with the company, they have failed to correct or properly investigate the errors in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Details of the Complaint : Company Name : Credit Acceptance Corp Company Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Incorrect Account Status My credit report lists this account as a repossession, when in fact, I voluntarily surrendered the vehicle due to lack of proper servicing by the dealer. The report should reflect Voluntary Surrender instead. 

2. Incorrect Balance Reporting My report states a past-due balance of {$10000.00}, which does not align with my payments. I request verification and correction if inaccurate. 

3. False Status Update The status update is listed as XX/XX/XXXX, which is misleading because my last payment was in XX/XX/XXXX and no further transactions have occurred. 

4. Inaccurate Monthly Payment Reporting Since the account was closed in XX/XX/XXXX, no monthly payment should still be reported. 

5. Failure to Identify the Current Debt Owner If the debt was sold, Credit Acceptance Corp has not provided the name of the new creditor, making it impossible for me to verify the debt.

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