vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute and request verification of credit information that was used in a recent credit decision by Navy Federal Credit Union. On XX/XX/XXXX, your underwriting department pulled my XXXX credit report and made determinations that I believe contain significant inaccuracies. 
According to my records and credit monitoring services, my actual credit scores on the date in question were : XXXX Score XXXX for XXXX XXXX XXXX ( not XXXX as reported by XXXX XXXX ) XXXX XXXX Score XXXX  : XXXX Furthermore, your underwriting department cited the following adverse factors from my XXXX  report : 1. Serious Delinquency 2. Proportion Balance to XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Revolving Accounts 3. Time Since Delinquency is too Recent or Unknown 4. Length of Time Accounts Have Been Established I dispute these findings as these negative factors were reportedly from XX/XX/XXXX and should not have been reflected in my XX/XX/XXXX credit profile. I have no record of these issues in my current Equifax report. 
I am particularly concerned that my specific request for verification submitted last week was responded to in less than XXXX hours, suggesting that proper due diligence was not conducted. This raises questions about the thoroughness and fairness of XXXX XXXX 's underwriting practices. 
Pursuant to the Fair Credit Reporting Act, I formally request : 1. A copy of the exact Equifax report pulled by XXXX XXXX on XX/XX/XXXX XXXX. Written verification of how the reported score of XXXX was calculated 3. Documentation showing the specific delinquencies and other negative factors cited in your decision 4. The name and contact information of the specific underwriter who reviewed my application Please be advised that if this matter is not resolved satisfactorily within 30 days, I intend to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ), and other relevant federal regulatory agencies, as I believe these practices may violate fair lending standards and consumer protection regulations. 
I look forward to your prompt attention to 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 2025-05-11 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( 5 ), 1681s-2, 1681c ( c ), and 1681i ( a ) ( 1 ).

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report.

The item ( s ) I am disputing are inaccurate and do not reflect the true status of my credit history. I am requesting an immediate investigation into the following item ( s ) inaccurate item ( s ), the account number, the three names on the account Furthermore, under 15 U.S.C. 1681i ( 5 ), As such, I request that the erroneous information be removed from my report and that I receive confirmation in writing of the changes made.

I am also a victim of a data breach and identity theft, which has led to the appearance of fraudulent accounts and inquiries on my credit report. Under 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information and correct any inaccuracies.

Additionally, under FCRA Section 605 ( c ), no adverse information resulting from identity theft should be reported beyond the applicable time limit, and such entries must be suppressed once proven to be fraudulent.

Lastly, under FCRA Section 611 ( a ) ( 1 ), I am formally requesting a reinvestigation of the disputed items. I expect written confirmation of your receipt of this dispute, the results of your investigation, and a free copy of my credit report after the resolution, as required by law. 

Please remove There are XXXX names as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Heads up someone might go into this system and override the reports just like all the other ones they are hiring people to steal my information and switch files around Someone also sealing cases and coming up with accusation, they creating evidence and hacking all my accounts, and locking me out to receive information to give to someone else Ucc1207

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( 5 ), 1681s-2, 1681c ( c ), and 1681i ( a ) ( 1 ).

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report.

The item ( s ) I am disputing are inaccurate and do not reflect the true status of my credit history. I am requesting an immediate investigation into the following item ( s ) inaccurate item ( s ), the account number, the three names on the account Furthermore, under 15 U.S.C. 1681i ( 5 ), As such, I request that the erroneous information be removed from my report and that I receive confirmation in writing of the changes made.

I am also a victim of a data breach and identity theft, which has led to the appearance of fraudulent accounts and inquiries on my credit report. Under 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information and correct any inaccuracies.

Additionally, under FCRA Section 605 ( c ), no adverse information resulting from identity theft should be reported beyond the applicable time limit, and such entries must be suppressed once proven to be fraudulent.

Lastly, under FCRA Section 611 ( a ) ( 1 ), I am formally requesting a reinvestigation of the disputed items. I expect written confirmation of your receipt of this dispute, the results of your investigation, and a free copy of my credit report after the resolution, as required by law. 

Please remove There are XXXX names as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Heads up someone might go into this system and override the reports just like all the other ones they are hiring people to steal my information and switch files around Someone also sealing cases and coming up with accusation, they creating evidence and hacking all my accounts, and locking me out to receive information to give to someone else Ucc1207

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : LVNV Funding LLC / Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX Subject : Request for Documentation and Verification of Account Ownership Account Number Ending in : XXXX Dear Resurgent Capital / LVNV Funding, I am writing in reference to an account you are reporting on my consumer credit report under the name LVNV Funding/ Resurgent, associated with XXXX XXXX, and identified by account number ending in XXXX. 

Please provide full documentation verifying your legal authority to collect and report on this account. Specifically, I request : A full and unbroken chain of assignment from the original creditor to your organization, including all intermediary transfers.

Copies of the bill ( s ) of sale, purchase agreements, and account-level schedules referencing my specific account. 

The date the account was acquired, the date of first delinquency, and the date of last payment received. 

A copy of the original signed contract or agreement that allegedly created this obligation.

A copy of the initial validation notice required under 15 U.S.C. 1692g ( a ), along with its issue date.

You are required to suspend all collection activity and reporting until these documents are provided. If you can not produce this information, I request you cease all collection efforts and remove any reporting associated with this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in ( XXXX ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation under 15 USC 1681 S2A furnitures must report accurate information under 15 USC 1681i the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to the three credit reporting agencies. As of XX/XX/XXXX, XXXX, they have not sent me the results of the investigation request. As per the Fair Credit reporting act, they must send a response within 35 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to the three credit reporting agencies. As of XX/XX/XXXX, XXXX, they have not sent me the results of the investigation request. As per the Fair Credit reporting act, they must send a response within 35 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 was the victim of identity theft. My email was hacked, and {$90000.00} was stolen via wire fraud, and loan applications were made for consumer loans in my name. None of these were mine. I submitted copies of the police report and FTC report and asked to have these removed. Experian and XXXX removed them, but XXXX has refused to removed the inquiries that were not mine, but were made by someone else in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> PayPal Account : XXXX Subject : Formal Complaint Regarding PayPals Refusal to Release Funds and Misleading Communications Dear CFPB Representative, I hereby submit this formal complaint against PayPal , Inc. for their refusal to release funds held in my account and for disseminating contradictory and misleading communications, which I contend constitute a breach of contract and misrepresentation under applicable law. 

XXXX XXXX Timeline of Communications and Events XXXX XXXX XXXX XXXX At XXXXXXXX XXXX on XX/XX/year>, I received explicit notification from PayPal that my account had been permanently deactivated. This notice unequivocally indicated that no further transactions or account activities would be permitted. 

XXXX. Subsequent to the permanent deactivation notification, at XXXXXXXX XXXX XXXX XXXX  XX/XX/year>, I engaged in chat conversation with a PayPal representative. During this conversation, I was unequivocally assured that despite the deactivation, my funds would be released by XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 

XXXX. Despite these clear assurances, PayPal failed to release my funds, leaving me subjected to financial harm and uncertainty.

* * Legal Implications and Concerns : * * The information provided by PayPal is demonstrably inconsistent. The permanent deactivation of an account ordinarily signifies the irrevocable termination of access and services, yet the subsequent assurance that funds would be released within an extremely abbreviated time frame ( a mere XXXX hour and XXXX minutes later ) is both contradictory and misleading. This disparity constitutes a breach of contractual obligations and amounts to misrepresentation upon which I relied to manage my financial affairs. 

Furthermore, these actions may implicate violations of the Electronic Funds Transfer Act ( EFTA ) as well as other federal and state consumer protection statutes designed to safeguard the rights and interests of consumers engaging in electronic transactions. The conflicting communications point to systemic deficiencies in PayPals internal controls and customer communications protocols and warrant rigorous regulatory scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NV

Complaint narrative:
Breach of contract dealership paid car loan I made deal with dealership to pay partial amount side contract with 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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent the money to the wrong number, my intentions were so that I could send the money as a gift for my mother, but it sent to the wrong number without recognition, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
This credit reporting agency has claimed to do a thorough and lawful investigation to verify and validate the accuracy of this account. After their investigation, they have reported this to be verified as accurate. But in the attached photos, you can see that this account is in direct violation of 15 USC 1681 accuracy of reporting. This account is indirect violation of 15 USC 1666B time of payment and this account is indirect violation of the Protection afforded to me by the FCRA as a federally protected consumer. Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed. This account has been closed and sold to a debt collector. Yet this company is still reporting this balance as active. It should be updated to XXXX. This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA. This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. 
Full name : XXXX XXXX address : XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX date of birth:XXXX file number : 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 2025-05-10 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: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
Dispute of Charged-Off Account - Request for IRS Form 1099-C Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the charged-off status of the above-referenced account with XXXX XXXX XXXX. I recently became aware that this account has been charged off and may have been forgiven, settled, or otherwise canceled. Under IRS regulations, creditors are required to file and provide Form 1099-C when a cancellation of debt of {$600.00} or more occurs. 

To ensure my financial records and any applicable tax filings are accurate, I am requesting a copy of the IRS Form 1099-C that may have been issued for this account. If no 1099-C has been filed, I request that you confirm in writing the current status of the debt, including whether it was canceled, settled, or sold to a third party. 

Additionally, if this account continues to be reported to the credit reporting agencies, I request verification of the accuracy of all reported information under the Fair Credit Reporting Act ( FCRA ). If the debt has been canceled or forgiven, it should not be reported as due or collectible. 

Please respond to this request in writing within 30 days of receipt, as required by applicable federal consumer protection laws. If no action is taken, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had over {$5400.00} deposited to the credit card that the sender was supposed to deposit to another bank in a regular checking account. Because of some glitch, they instead deposited it to my Citibank credit card which was the where the original money came from. It was over XXXX deposits totalinig over {$5400.00}. I had an {$1800.00} balance on the account so it paid that off and the rest shows as a credit. I have asked to have them refund the {$5400.00} and restore my credit balance to {$1800.00} but they say they can't verify my account because supposedly my answers to their questions were wrong. So I had to wait a week to get a letter with a code. I have verified this accounty at least XXXX times over the past few months because just about any purchase triggers their fraud alert. I got the letter today, but it didn't have a code. So I called and they said I now have to wait for another one. I talked to XXXX different people, one a supervisor and they all said I just have to wait. So I asked the supervisor what the procedure is to have a credit balance transferred back to me or to my bank account and she said nothing can be done until I get the letter and verify my account AGAIN. I just want my {$5400.00}.

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