vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a secured credit card XX/XX/XXXX I was told I had XXXX accounts that needed to be joined .i sent the form up then they restricted my account XXXX XX/XX/year> my account was restricted due to identify these problems I had with an old account.. I have requested to be able to access my funds and they are saying every single day try the next day, I have provided paperwork they ask for been to the navy federal XXXX multiple times in the last few days they refuse to let me access any of my funds my account has over XXXX inside the money has came directly from the XXXX XXXX XXXX XXXX  thats in my account and I can not access any funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00}

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
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
This false reporting is damaging my ability to obtain credit, loans, and housing. The presence of unauthorized negative information is unfair and must be addressed immediately. I demand a thorough investigation and prompt removal of these accounts to protect my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am filing this complaint due to ongoing inaccuracies in my credit file and the failure of the credit reporting agency to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ). I have submitted multiple disputes, including my most recent on XX/XX/XXXX, regarding the inaccurate and potentially unverifiable accounts and inquiries listed below. 

Despite these repeated efforts, the agency has provided inadequate responses stating that the disputed items were verified, yet has failed to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). To date, I have not received : The specific method of verification used for each item ; The name and contact information of the data furnishers ; Any documentation relied upon during the investigations. 

Disputed Account : 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 XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I provided the agency with a 15-day deadline to : Reinvestigate each listed item, Provide written verification details, Remove any inaccurate or unverifiable entries, and Issue an updated credit report reflecting these corrections. 

As of today, no adequate resolution has been provided. Therefore, I am requesting CFPBs assistance in enforcing my rights under the FCRA and holding the agency accountable for non-compliance.

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 2025-05-20 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: AL

Complaint narrative:
I am filing this complaint due to ongoing inaccuracies in my credit file and the failure of the credit reporting agency to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ). I have submitted multiple disputes, including my most recent on XX/XX/XXXX, regarding the inaccurate and potentially unverifiable accounts and inquiries listed below. 

Despite these repeated efforts, the agency has provided inadequate responses stating that the disputed items were verified, yet has failed to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). To date, I have not received : The specific method of verification used for each item ; The name and contact information of the data furnishers ; Any documentation relied upon during the investigations. 

Disputed Account : 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 XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I provided the agency with a 15-day deadline to : Reinvestigate each listed item, Provide written verification details, Remove any inaccurate or unverifiable entries, and Issue an updated credit report reflecting these corrections. 

As of today, no adequate resolution has been provided. Therefore, I am requesting CFPBs assistance in enforcing my rights under the FCRA and holding the agency accountable for non-compliance.

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 2025-05-20 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00}

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
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting a collection account to the credit bureaus for a debt I do not recognize or owe. The original creditor is listed as XXXX XXXX XXXX Co, and the reported balance is {$270.00}. This account is negatively affecting my credit and shows a status of Placed for XXXX with 100 % of the balance unpaid. 

Heres what Ive done so far and why I believe this collection is inaccurate and unfair : I reached out directly to the company. 
I contacted XXXX XXXX XXXX XXXX multiple times regarding this debt. I also made an effort to escalate the issue to XXXX leadership, including the CEO of the company. Despite reaching out professionally and repeatedly, I have not received any resolution, clear explanation, or validation of this debt. 

The debt was never validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of any debt before it is reported or collected. I have not received any documentation proving this debt is mine or detailing what its for, how the balance was calculated, or when it was incurred. Reporting a debt without proper validation is a violation of my consumer rights. 

I dont believe I owe this debt. 
Ive never had a delinquent balance with XXXX XXXX XXXX, and there has been no breakdown of charges or proof provided. This feels like a case of either mistaken identity or improper billing. 

It is affecting my financial stability. 
This entry is damaging my XXXX XXXX, and the presence of this derogatory collection account has made it harder for me to qualify for affordable credit. Ive spent time, energy, and emotional stress trying to get this removed or resolved through the proper channels with no help from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$780.00} Date Opened : XX/XX/year>

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-20 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XX/XX/XXXX Sued by law firm XXXX which was hired by XXXX XXXX ( XXXX ) after Servicer held payments to force account into foreclosure after changing State Deed in my name prior to as the property owner while keeping my deceased father as borrower Fannie Mae ( FM ) never updated any information about the loan and admitted to not being aware of any Deed changes FM requested death certificate and letter of proof as Personal Representative XX/XX/XXXX XX/XX/XXXX Mediation extended several times while Servicer claimed to be streamlining an assumption process FM claims to be unaware of any recent activity XXXX XXXX sends an approval to modify with XXXX ( XXXX ) trial payments First trial payment due XX/XX/XXXX Payment made by due date XX/XX/XXXX Received a phone call stating that my loan was transferred to NEW Servicer named Shellpoint Mortgage with the same Loan # as XXXX No Notice of Transfer No Welcome Letter Given phone number to contact them Shellpoint claims to have no knowledge of who I am yet requested documents like Death Certificate, Letter from State of MD as proof that I am the Personal Representative XX/XX/XXXX Order filed by XXXX " Order of Mediation entred on XX/XX/XXXX signed by XXXX XXXX. It is on this the XXXX day of XXXX, XXXX ORDERED that the secured party may schedule the foreclosure sale, subject to the right ofthe borrower to file a motion pursuant to Rule 14-211 to stay the sale and dismiss the action. '' Copy of Order was not sent out same day and once received did not see a Certificate of Service ; name mentioned on cc line XX/XX/XXXX thru XXXX XXXX Now they are trying to add me as a third party and claims to have not received this information from prior servicer because it may take a few days. 
Letter from Shellpoint only contains a sheet with creating an " my account '' with no addresses or phone numbers. 
Shellpoint contacted my mother yesterday via voicemail with " an attempt to collect a debt message. '' If they didn't receive my information from XXXX then how did they get her information because she was listed as a third party contact while interacting with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

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 2025-05-20 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted a formal request for the debt reporting to be corrected on XX/XX/year> and attached the letter provided to me by the lender American Express confirming that I no longer owe this debt. I provided this information to Experian who now claims that Amex verified the debt. This has been going on for months now and finally I called and they told me to obtain the verification in writing which I did and attached to my dispute. They now updated it yet again to show that Im past due when I do not owe anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I have been a victim of identity theft on numerous occasions throughout the years. I am fully aware of the person that has stolen my identity. This lady has had multiple arrest AKA : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
I have tried to fix this for years and I'm still having to deal with this. 

XXXXXXXX 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 2025-05-20 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: VA

Complaint narrative:
There were XXXX orderes place on my account there were fraud XXXX from XXXX XXXX  and XXXX from XXXX I have told The collection agency about the fraud they closed collection on it and processed them as identity theft klarna still Has not updated its system showing I dont owe them so this has been goin on for almost XXXX  years this is not how u take care of your customers

Company response to consumer: Closed with explanation