vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
So I am currently working in XXXX XXXX XXXX XXXX, XXXX Everything was normal until earlier my car broke down so I talked to my father about the situation who lives in XXXX so he talked to his friend living in California who I call uncle and that uncle sent me {$500.00} to my XXXX XXXX XXXX  again {$500.00} next day because his bank have {$500.00} limit a day and because it was emergency for me I needed to buy car as soon as possible my uncle adviced to sign up for this venmo. And I did the same and he transferred me {$100.00} to check if its good on XX/XX/year> and again he sent me {$1000.00} in the same day on XX/XX/year> and on XX/XX/year> he sent me {$2900.00} as of total {$4000.00} and I tried to transfer the funds into my XXXX XXXX XXXX  so I can withdraw cash to buy car to get back to work and the venmo says it will take 2-3 business days and after 2 days I received the mail saying my venmo account has been suspended and asked me to provide either valid drivers license or green card as a proof of identification and I sent them my valid drivers license for my identification and they say wait for 3-5 business days again and I called them venmo support about the situation and they say venmo specialist have sent me the email and I checked there were no emails at all and this venmo agent named XXXX forwarded that email and email says my account is permanently deactivated and I can not use venmo services due to my actions and activity have been in violation of this agreement ( which was a tricky excuse ) because I did not thing wrong and they held my venmo balance {$4000.00} for 180 days So recently I am facing mental and emotional pain and also financial pain I have to rent a car to go to work that is {$460.00} per week and {$300.00} as deposit I have no expenses how to do things I can not work normally and I tried to call venmo support asking I want to talk to venmo specialist who freezed my account permanently without any proof or reason and they couldnt help at all saying they dont know every time I call them and I tried to email support venmo as venmo support asked me to do but I get the response email is not monitored. So I finally realized reading venmo reviews they are doing this same thing to thousands of people out there helding their funds and freezing accounts they are doing this on purpose to use peoples funds for their business. Please I need help to get back to work and return the {$4000.00} loan from my uncle. If possible I want to sue them I can not take it anymore I am getting sick thinking about things they did to me and innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: PA

Complaint narrative:
Currently have an autopayment schedule for 4 loans. Their system does not allow you to make an extra payment - rather they apply it to your auto payment and then have repeatedly cancelled the next scheduled payments. This in turn results in what looks like a missed payment. Attempted to pay off one loan in its entirety and they broke up the onetime specific loan payoff and applied lesser amounts to all 4 loans.

Every time we try to pay extra on our daughters loans, we have to go online to restart auto pay and then call to verify. Statements and emails generated by activity do not match up- hence the call. This has happened numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX XXXX XXXX XX/XX/XXXX -- {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting this letter to dispute the inaccuracies I found in my TransUnion credit report. The accounts listed below contain errors that may violate the Fair Credit Reporting Act ( FCRA ). Additionally, there may be a potential data breach affecting my credit information. 
Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$1500.00} o Account Status : Collection/Chargeoff o FCRA Violations : Misreported as " open '' instead of " closed. '' o Potential Data Breach : Discrepancies in account data indicate unauthorized reporting or access. 
XXXX. XXXX XXXX o Account Number : XXXX o Reported Balance : {$250.00} o Account Status : Collection/Chargeoff o FCRA Violations : Account reported as " open '' instead of " closed '' after collection. 
o Potential Data Breach : Data inconsistencies raise concerns about data integrity. 
XXXX. XXXX XXXX Account Number : XXXX o Reported Balance : {$1300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect reporting of balance and status as " charge-off. '' o Potential Data Breach : Data discrepancies with the original creditors report, suggesting unauthorized reporting. 
XXXX. XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$0.00} o Account Status : Collection/Chargeoff o FCRA Violations : Misreporting the status as " paid profit and loss. '' o Potential Data Breach : Discrepancies raise concerns about potential unauthorized access to my information. 
XXXX. XXXX o Account Number : XXXX o Status : Positive o FCRA Violations : Positive status reported without full account details.

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 2025-11-25 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: TX

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 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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX mishandling of a vehicle title following a loan payoff, as well as their inconsistent and conflicting information regarding the status of that title. 

Summary of the Issue On XX/XX/year>, I purchased a used vehicle from another XXXX XXXX member. The seller still had an active XXXX XXXX auto loan on the vehicle, and I paid the remaining balance in full at a XXXX XXXX branch on that same day. XXXX XXXX issued a lien release on XX/XX/year>, confirming the loan had been paid off completely. 
Despite the lien being released and XXXX XXXX no longer having any legal interest in the vehicle, they have failed to provide the title and have given me conflicting information about its status. 

Timeline of Events XX/XX/year> : I paid off the sellers XXXX XXXX auto loan in full at a branch. 
Both parties received the lien release the same day. 
XX/XX/year> : I contacted XXXX XXXX to ask about the title. 
I was told the title was a paper title and XXXX XXXX would be sending it directly to me. 
XX/XX/year> : I contacted XXXX XXXX again. 
I was told the title had already been mailed out on XX/XX/year> via USPS and that I should receive it shortly. 
As of XX/XX/year> : The title has not been delivered. 
I contacted XXXX XXXX again and received conflicting information, with no confirmation that the title was ever mailed. 
The representatives I spoke with could not clearly state where the title is or why it has not been sent. 

Why This Is Improper XXXX XXXX has : Failed to release a title that they have no legal right to retain after lien satisfaction Provided contradictory and inconsistent information regarding the titles status Failed to provide documentation verifying that the title was actually mailed Caused significant financial and personal hardship, as I am unable to register the vehicle or legally operate it without the title Delayed and obstructed a process that should be fully completed at the time of loan payoff Harm Caused Because XXXX XXXX has not sent the title or confirmed its location, I am : Unable to register the vehicle Unable to legally drive the vehicle, leaving me without transportation Losing both time and money, and suffering unnecessary inconvenience due to no fault of my own

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am disputing the accuracy of certain accounts on my credit report. The accounts listed below are reported with errors, including charge-off statuses and late payment records : Charged Off Accounts 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

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 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year> NFCU took federal protected funds after ring made aware they are protected funds. I spoke with XXXX on XX/XX/year> who escalated the situation ; it was closed without contacting me on XX/XX/year>. I did not find this out until XX/XX/year> when I called the bank to inquire about the escalation. On XX/XX/year> I sent NFCU a demand letter as well as my federal protected VA benefits award letter and in less than a week I will be sending the bank my sons SSI award letter. This matter was escalated again by XXXX and I have to receive the funds into my bank account or even be contacted by the legal team from the original complaint to both CFPB and the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since these accounts are not mine, I request that they be removed within 15 days per the FCRA.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am submitting a dispute regarding the accounts listed below. I request that these accounts be reviewed, investigated, and corrected according to the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by credit bureau. 
Charged-Off Accounts : 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

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 2025-11-25 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: MS

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation