vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  Equifax and XXXX  to remove accounts that arent mine, XXXX XXXX to remove accounts not mine and all inquiries on report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
Tried to receive refund from an user because i sent money to user and user never returned as they stated they would, so i provided proof and documents showing user said they would but never did, and then company decided to close my account due to fraud because i kept trying to have them investigate my claim rather than, look at the description I put and close the claim right away with no explanation over then they cant because of fraud etc. 

My cash app user name XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an accurate and unverified information being reported on my credit report by Credit XXXX Services ( or the relevant agency ) the accounting question does not belong to me, and despite multiple request for validation, the agency has failed to provide documentation proving the debt is mine. This miss reporting is negatively impacting my creditworthiness and causing undue stress. I believe this constitutes a violation of the fair credit reporting act which requires that all information reported to credit bureaus be accurate and verifiable. I am requesting that this account be thoroughly investigated and removed from my credit reports immediately. I am also requesting confirmation that this dispute has been received and is being processed along with a timeline for resolution. I reserve the right to pursue further legal remedies if this issue is not resolved properly. Credit XXXX services is reporting a collection account # XXXX that I do not recognize and have disputed. I requested that validation under the FDCPA and they have not provided sufficient documentation. This inaccurate reporting is harming my credit worthiness and ability to obtain credit. I am requesting that this account be removed from all credit reporting agencies, and that the CFPB investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In XX/XX/year>, my Navy Federal account was completely drained due to unauthorized activity after someone was added as a joint owner without my knowledge or consent.

Despite repeated follow-ups over the past 8.5 months, Navy Federal has failed to investigate or return my funds. Instead, I was told this is a civil or criminal matter and that Navy Federal has no additional information to provide. This is an attempt to avoid liability and ignore their obligations under Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005 ).

Regulation E requires Navy Federal to : Promptly investigate claims of unauthorized transactions Provide written results of the investigation Provisionally credit the account within 10 business days while investigating Navy Federal has done none of these. They instead closed my account and opened another without my consent, again. Their refusal to act, and their attempt to reframe this as a civil dispute, directly violates federal consumer protection laws.

As a result, I and my two young children have been left homeless and unable to access government assistance, since agencies still show the stolen funds in my account. This has caused severe financial and emotional harm. 

I am demanding immediate corrective action, including : Provisional credit of all stolen funds Written explanation of the investigation and outcome Escalation to Navy Federals compliance and executive response team I am requesting the CFPBs assistance in compelling Navy Federal to comply with Regulation E and restore my funds without further delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am submitting this complaint regarding Huntington Banks handling of my account closure and the release of my unemployment benefits.

I originally opened an account with Huntington on XX/XX/year> at the Saline, Michigan branch. 

On XX/XX/year>, I was informed in-branch that the account was being closed due to risk. At that time, I was told the account would be closed within 510 business days and that I would receive a check for the remaining balance. 

Despite that representation, the account was not closed within that timeframe. As a result, a second Pennsylvania unemployment deposit posted into the account on XX/XX/year>, which I could not access. 

I called the Saline branch on XX/XX/year>, and was told to come into the branch. When I went in that day, I was informed the account was still restricted and I could not access my money. 

I called the branch again and returned in person on XX/XX/year>. At that time, after much difficulty, I was issued a cashiers check for {$470.00}, representing part of my balance. I was told the remainder would be sent in the mail.

I have also called Huntingtons customer service twice, including today ( XX/XX/year> ), when I filed a formal complaint with the bank. During that call, the representative told me that account closures can take up to 30 days, which directly conflicts with the XXXX business day timeframe I was originally given. She also admitted that the cashiers check for the remaining balance had only been requested and had not yet been mailed. 

At this time, Huntington Bank is still withholding {$470.00} of my unemployment benefits. I consider this a serious issue because : These are public benefits protected under federal law.

Huntington repeatedly failed to honor its own stated timeframe ( 510 business days ). 

The inconsistent explanations ( 510 days vs. up to 30 days ) appear to be misrepresentation and have caused me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
# # # * * CFPB Complaint : Inaccurate Reporting by XXXXXXXX XXXX XXXX XXXX XXXX  Subject XXXX XXXX XXXX Inaccurate Collection Account Reporting XXXXXXXX XXXX XXXX  Company Complained About : * * XXXX * * Issue : * * Incorrect information on credit report -- - * * Description of Complaint : * * I am filing this complaint because XXXX XXXX  XXXX  is reporting inaccurate information * * on my credit report regarding a collection account from * * LVNV Funding LLC * *. 

According to the attached screenshot ( taken from my credit monitoring app ), XXXX  reports the following : * * * Creditor : * * LVNV Funding LLC XXXX XXXX XXXX  Account Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account * * * Date Last Reported : * * XX/XX/XXXX # # # Why this is inaccurate : XXXX. * * The account was just opened in XX/XX/XXXX * *, and is * * already in collections * * as of XX/XX/XXXX. That is an unusually short time frame and suggests improper reporting or abusive debt buying practices.

2. The account is * * being reported as an " Open '' collection * *, which is misleading and not compliant with the * * FCRA 's accuracy requirements * *.

3. LVNV Funding LLC is listed as both the * * original creditor * * and the * * collection agency * *, which is inaccurate, as they typically are * * debt buyers * *, not original creditors.

4. I was * * never notified * * about this account before it was reported, which violates my rights under the * * FDCPA and FCRA * *.

-- - # # # Legal Context : This reporting issue is particularly concerning given the * * recent CFPB action and fine * * issued in XXXX, where XXXX XXXX XXXX was fined \ {$3.00} XXXX * * for failing to properly investigate consumer disputes and reporting inaccurate data. My situation seems to reflect the * * exact pattern of behavior the CFPB has already penalized XXXX  for * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
There is a gentleman impersonating a server that visited my mailing address XXXX times on a debt that has been settled with the debtor ( XXXX XXXX XXXX, XXXX ). They visited my mailing address XXXX times in the same week of XX/XX/year> and again on today XXXX XXXXXX/XX/year> now impersonating law enforcement. The servicer did not allow me to view the document and when asked what it was for he held a camera up to take pictures of me without allowing a view of the document. It was not in a envelope that would indicate it was from the court system or a business. The documents were in his right hand and the phone was in the left hand held to his chin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX sent statements dated from XX/XX/XXXX - XX/XX/XXXX with different account numbers and interest fees for non-payment ; we reviewed the XXXXXXXX XXXX XXXX statements, confirmed the following : charges were not mine, the address was wrong, I did not receive the XXXX cards that were mailed to an address in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter from XXXX XXXX  ( dated XXXX XXXX ) reflecting on the numerous cards that were sent out and investigated. They concluded it was fraud and would send out another card. I cancelled the XXXXXXXX XXXX XXXXXXXX card and any/all cards associated with XXXX XXXX  XXXX I received a XXXX statement with fees. There are accruing fees on the XXXX and XXXXXXXX XXXX XXXX that were reviewed. I was told the fees would be erased since the charges are fraudulent. This careless handling of my credit cards with XXXX XXXX  has negatively affected my credit status across the board with the major credit reporting agencies. This has been going on since XX/XX/XXXX, when I first identified the problem and reported it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am disputing multiple inaccurate accounts and inquiries being reported on my credit files with Equifax, Experian, and TransUnion. These accounts do not belong to me, and I have never opened or authorized them. I have attempted to dispute directly with the credit bureaus, but the information remains. 

The inaccurate accounts include lenders such as XXXX, XXXX XXXX, XXXX BankXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and others. In addition, there are numerous hard inquiries listed that I did not authorize. Some bureaus are also reporting a bankruptcy record that is not mine. 

Equifax XXXX - XXXX * * * * XXXX - XXXX * * * * XXXX  - XXXX * * * XXXX XXXX XXXX XXXX XXXX * * * Inquiries : Multiple, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Experian 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 * * * * Public Record : XXXX Bankruptcy XXXX ( XXXX XXXX XXXX : XXXX, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

TransUnion XXXX - XXXX * * * * XXXX XXXX FIN - XXXX * * * * ( appears twice ) XXXX XXXX XXXX XXXX * * * * KIKOFF - XXXX * * * * CREDIT ACCEPTANCE XXXX XXXX XXXX * * * * XXXX XXXX - XXXX XXXX XXXX * * XXXX XXXX - XXXX XXXX XXXX * * XXXX XXXX XXXX  * * * * Inquiries : Multiple, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I respectfully request that the CFPB require Equifax, Experian, and TransUnion to conduct a full and thorough reinvestigation of these disputed accounts, inquiries, and public records. Any information that can not be fully verified as accurate should be deleted from my credit files, and updated reports should be provided to me and any creditors or employers who XXXX have received the inaccurate information. I further request that the bureaus provide the name, address, and phone number of each entity that furnished the disputed information. These errors are causing significant harm to my creditworthiness, and I am asking for your assistance in ensuring my credit reports reflect only 100 % accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I received a text message today, XX/XX/year> at XXXXXXXX XXXX informing me that I had a debt of XXXX that needed to be resolved and a hyperlink was provided in the text message. The message was from XXXX. There was a text the text message, XXXX, but there was not a phone number in the text message. In addition, I received a second message which included a broken hyperlink that said, " Check out the terms. '' Given the dubious nature of the messages that I received, I am highly skeptical to the information in these text messages. Also, I am unaware of any account or debt handled by True Accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Debt Validation & Representation Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX XXXX XXXX Caine & Weiner XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX RE : Formal Dispute and Request for Validation acount XXXX XXXXXXXX To Whom It May Concern : I am contacting you regarding the above-referenced account This is a formal notice that I am dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt collection Practices act ( FDCPA ) ,14 U.S.C.1692g Additionally, I am aware of violation of U.S.C.1692e regarding false , deceptive, or misleading representations in your collection attempt Specifically : -You have represented information about this debt in a manner that is inaccurate and misleading -You have failed to provide clear and complete documentation substantiating your legal right to collect Accordingly, I require the following XXXXProof of the debt -a complete accounting of alleged balance. 

XXXXOriginal signed contract or agreement showing that i have a legal obligation to pay XXXXProof of assignment/ownership -including chain of title if this account was sold or transferred. 

XXXXVerification of Licensing and authority proof that Caine & Weiner is authorized to collect debts in my state ( XXXX  ) XXXXCopies of all communications and records regarding this account Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau.

Contacting me by phone or mail pursuing any legal action If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692E ( 8 ) and Fair Credit Reporting Actt ( FCRA ) to mark the account as " in dispute '' failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office for your Violations of federal law. 

I expect a written response within 30 days of your receipt of this. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Experian/ XXXX XXXXXXXX This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2 . The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Experian/ XXXX XXXXXXXX This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2 . The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

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