vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted navy back in XX/XX/year> regarding this merchant rooms to go. Ive provided Navy with all of the evidence I had including sending them copies of my camera footages with dates showing no one made a delivery at my address .. Also, provided them a copy of my work schedule showing that at the time the merchant supposed to of delivered my items, I was at work.. Per the merchant, someone signed for my package and it wasnt me.. Navy also have signature pages on file that they can determine that the person that signed for my item wasnt me.. Ive also sent Navy all correspondence between myself and the merchant so I had already provided Navy with all the information prior to them getting the same information from the merchant denying my claim .. All the merchant said in there defense was that the items were delivered and Navy sided with the merchant instead of doing a proper investigation and Navy denied my claim .. And I really feel that Navy targets XXXX XXXX  and I feel XXXX XXXX .. Because I provided all detailed supporting documents that Navy requested..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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.
State: FL

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 explanation
Consumer complaint received 2025-04-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In support of your Experian lawsuit. My Experian credit score changes monthly. No reason. It dropped XXXX points from excellent to very good because I used my credit card. I paid an estate attorney for services rendered. It seems that my score drops if I use my card and if I do not. I have only two credit cards and an overdraft credit account for my personal checking. I pay all my bills on time and in full. Never a bankruptcy or a collection. The paucity of credit accounts and diligence in the payment of obligations makes my credit score go down because I'm a bad risk. That is, I won't be required to pay interest to lenders. Who, after all, wants to loan money for free. I own a home, but I don't have a mortgage because it's paid off. If I ever need to borrow money, I will be disadvantaged by Experian 's capricious reporting. I will probably never need a loan, but for those who may, Experian is madness! The few times I have contacted Experian for an explanation they don't have one. They put reason codes in their reports which are nonsense, and they admit it. The model changes a score and any justification will suffice. These companies failed the nation and the world and were complicit in causing the great recession of XXXX. They got it wrong then and they continue to do so. We need a better system.

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 2025-04-17 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-17 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to their repeated violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. 
XXXX XXXX XXXX has engaged in the following improper and harmful practices : Refusal to Validate Debt Despite my formal request for debt validation as permitted under the FDCPA, XXXX XXXX XXXX has failed to provide proper documentation, including but not limited to the original purchase agreement or any proof that they have the legal right to collect on this debt. Instead, they have used stall tactics, offering vague responses or ignoring my requests entirely.

Simultaneous Reporting with Original Creditor While acting as a third-party debt collector, XXXX XXXX XXXXXXXX has reported this debt to the credit bureaus at the same time the original creditor is reporting it, which results in double reporting of the same debt. This practice is misleading and causes unnecessary harm to my credit profile, artificially inflating my debt load and damaging my score.

Lack of Transparency and Accountability XXXX XXXX XXXX has not provided a copy of the debt purchase or assignment agreement, which is necessary for me to confirm the legitimacy of their claim. This lack of transparency raises concerns that they do not have proper standing to collect this debt.

These actions appear to be deceptive and in direct violation of the FDCPA and possibly other state and federal consumer protection laws. They are also causing me ongoing credit and financial harm due to inaccurate and duplicative reporting.

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 2025-04-17 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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 XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$110.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$540.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXT Balance {$420.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-04-17 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I submitted my Master Promissory Note ( MPN ) through Nelnet on XX/XX/year>. It is now XX/XX/XXXX, and I have not received confirmation, a copy, or any update. I have called and spoken to representatives with no resolution. This delay is interfering with my income-driven repayment plan ( IBR ), which I applied for back in XX/XX/year>. 

The Department of Education resumed processing these plans, and I am eligible for a $ XXXX  monthly payment based on my income. However, Nelnets failure to process or confirm receipt of my MPN puts my application at risk and may disqualify me under future changes to the rules. 

I need immediate confirmation and resolution from Nelnet. This is causing me significant financial distress and XXXX. I am acting in good faith and following all procedures the delay is entirely on the servicer 's side. 

I request : Confirmation that my MPN has been received and processed.

A copy of the signed MPN. 

An assurance that my IBR application will not be delayed or rejected due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I came across this person on XXXX XXXX  they said they try their new platform XXXX XXXX. They said they would give me an extra bonus if I sent a deposit to them first. So I said ok I got their information to send over a deposit. They told me send to this username name and address so I sent over {$50.00} to them. They said they can't accept my deposit when the amount was already taken from my account balance and that they accepted it on their end. I told them yes you can accept my deposit cause you did and my account balance is now {$50.00} less now. They kept saying no they didn't and couldn't accept it. I screenshot the proof they did accept my deposit I sent. They kept giving me links to contact customer service support team. I told them to return my money and they wouldn't do I said I'm filing a report on them and report they are scamming me and taking my money. I file a dispute on the issue at hand I sent proof of the deposit being accepted and taken from my account balance. So the support team took over 15 days to investigate the dispute and at the end of all this they resolved the issue saying I'm at a loss of money and close the case. That's not right at all I am entitled to have my funds back. They scam me by telling me they are a platform of a game I play and then I'll get a deposit bonus if I send deposit. I send my deposit and my bonus is to get ripped off and scammed. Venmo is the messed up customer service support team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Subject : Dispute of Inquiries and Address on Credit Report Dear XXXX XXXX, I am writing to formally dispute several inaccuracies on my XXXX  credit report under the Fair Credit Reporting Act ( FCRA ). The disputed items include unauthorized credit inquiries and an incorrect address. Please consider this letter as my official request to investigate and remove these inaccurate items from my credit file. 

Disputed Items : 1. Unauthorized Credit Inquiries I have identified multiple credit inquiries on my report that I did not authorize. These inquiries include : XXXX XXXX XXXX - Consumer ( Auto Loan ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Experian on behalf of various lenders ( Credit Applications & Written Consents ) Any other inquiries listed in my report that I did not initiate I request that you provide proof of my authorization for these inquiries. If such authorization can not be provided, I demand the immediate removal of these inquiries from my credit report. 
2. Incorrect Address : The report lists XXXX XXXX XXXX XXXX, XXXX, IL XXXX, which is incorrect. I have never lived at this address and request its removal from my file. 
3. Social Security Deceased Status : My report must not inaccurately reflect a deceased status. Please confirm and correct any discrepancies related to this matter. 

In accordance with the FCRA, I request a written response detailing the outcome of this dispute and a corrected copy of my credit report once these errors are addressed. 

Enclosed are copies of my identification and any supporting documentation needed to verify my identity. Please process this dispute promptly within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide an update as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I recently came across the Experian lawsuit and I feel like I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. I asked for the investigation report but never received that report. I would like these accounts to be deleted from my credit report as soon as possible.

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 2025-04-17 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX ( XXXX ) 2. XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX ( XXXX ) 7. XXXX XXXX XXXXXXXX ( XXXX ) 8. XXXX XXXX XXXX ) 9. XXXX ( XXXX ) 10. XXXX ( XXXX ) 11. XXXX XXXX ( XXXX ) 12. XXXX XXXX  XXXX ) Hard Inquieres 1. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
Adding on to a complaint I found already exists, XXXXCTIVE Network is still scamming people into purchasing their $ XXXX product when signing up for kids ' camps. Enrolled and clicked to " accept terms of use '' and got billed for {$100.00} subscription that I didn't want. No indication that this was going to happen, shameful practice. 

https : //www.consumerfinance.govXXXX

Company response to consumer: Closed with explanation