vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
b'Please I would like this hard inquiry remove immediately I didnt not authorized this \n\nNavy FCU 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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
An ex took my card after I got a restraining order against him for XXXX XXXX XXXX XXXX I contacted Gurstel law firm about this debt, they emailed back saying they were looking into it, then today emailed me saying that I never sent them the fraud claim when I did/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: TX

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 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

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 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I started using XXXX located XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to send my son s car payment via XXXX XXXX and XXXX XXXX. XXXX XXXX continues to call my son regarding missed payments. I was able to locate XXXX receipts. I first went to request the refund from the store in XXXX XXXX  on XXXX XXXX. The clerks at the time advised there were XXXX money transfers sitting. The clerk stated she did not want to refund the money because the amount and the amount of time the funds were sitting. The manager became involved and requested I get a code from XXXX XXXX. A XXXX XXXX provided the code and I was given a refund of XXXX on XX/XX/XXXX. I was then advised I would need to go to the XXXX XXXX store for the other refund because that is the location where I made the other payment. I was advised by the XXXX rep nothing was in their system. I provided my receipt where I made a payment XX/XX/XXXX to XXXX XXXX amt of XXXX and a XXXX XXXX payment fee total XXXX via XXXX XXXX. XXXX nor XXXX XXXX could locate the payment using the reference number on my receipt. I advised that the reps at the XXXX XXXX XXXX was able to locate XXXX payments sitting in their system. The Refund was refused although they couldn't give me an explanation as to why they were unable to locate the reference number nor payment for the amt I paid on that date. XXXX XXXX opened an investigation and nothing. I called on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-28 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
CHEXSYSTEMS IS REPORTING INACCURATE AND FRAUDULENT INFORMATION AND IS IGNORING MY DISPUTES. I WAS DENIED A BANK ACCOUNT BASED ON INACCURATE DATA. I'M FACING EXCESSIVE SOFT/HARD INQUIRIES FROM XXXX XXXX AND XXXX XXXX. CHEXSYSTEMS IS BLOCKING ME FROM DISPUTING AND WON'T INVESTIGATE. THEY FAILED TO RESPOND TO A FRAUD AND IDENTITY THEFT AFFIDAVIT. THEY ARE DENYING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND FACTA. 

COMPANIES INVOLVED ARE : CHEXSYSTEMS- HAS BLOCKED MY ABILITY TO DISPUTE BY PROVIDING NO PATHWAY TO CONTEST VIOLATING FCRA SECTION 1681i ( a ) XXXX XXXX  FRAUDULENT PURCHASES AND XXXX XXXX MULTIPLE DOUBLE CHARGES XXXX XXXXFREQUENT SOFT INQUIRIES THAT WERE NOT AUTHORIZED THESE ENTRIES HAVE RESULTED IN REPEATED BANK ACCOUNT DENIALS, FINANCIAL HARDSHIP, AND EMOTIONAL DISTRESS.

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 2025-05-28 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision XXXX XXXX Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency XXXX make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-28 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: MA

Complaint narrative:
I have filed a complaint with transunion to correct a late payment on my report but they only told me that the account is accurate. 
The late payment is for XX/XX/year>. This payment was made on time and the account was closed in good standing. 
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

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 2025-05-28 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts currently listed on my credit report. Inaccordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15U.S.C.1681i ], I respectfully request a investigation into the following accounts : 1XXXX Account XXXX XXXX 2.XXXX  Account XXXX XXXX 3.XXXX Account XXXX XXXXXXXX 4.XXXX XXXX Account XXXX XXXXXXXXXXXX 5XXXX  - Account XXXX XXXXXXXXXXXX 6.XXXX - Account XXXX XXXX 7.XXXX- Account XXXX XXXXXXXX These accounts are either inaccurate, outdated, or unverifiable. If these entries can not be validated with complete and accurate documentation from the original creditor, they must be removed from my credit profile. 
These negative marks are also preventing me from securing housing for my family. I am currently in the process of trying to purchase a home to provide a safe and stable environment for my children. These accounts are hindering my ability to qualify for a mortgage and are causing undue financial and emotional stress. 
In accordance with FCRA, please complete your investigation within 30 days and provide written confirmation of the outcome. Enclosed are copies of my government-issued ID and a recent utility bill as proof of my identity and residence. 
Thank you for your immediate attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
I am disputing a {$50.00} collection from XXXX XXXX I on behalf of XXXX XXXX that appears on my TransUnion credit report. 

I disconnected my XXXXXXXX XXXX in XX/XX/year> and was not notified of any remaining balance. I only discovered the debt after seeing a drop in my credit score. As soon as I became aware of the issue, I paid the full {$50.00} balance on XXXX XXXX insert payment date ], XXXX 

I submitted this same dispute to XXXX with supporting documentation, and the collection has already been removed from my XXXX report. I attempted to submit a dispute through TransUnion 's website but was unable to do so due to system limitations, and the live support chat could not resolve the issue. 

This collection is now fully paid and was the result of a communication error, not missed responsibility. Im requesting that TransUnion update or remove this derogatory mark to reflect that it was paid promptly and does not accurately represent my credit behavior.

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 2025-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX myself XXXX XXXX and my husband XXXX XXXX closed on a loan with XXXX. Recently after finding out their underwriters made an error on our approval from not doing the proper engineering cert for XXXX approval, we submitted a complaint regarding the matter and now we need to do the same for the servicer that currently holds the loan as they are refusing to help at all. Shortly after closing, the loan was sold to Mr. Cooper lakeview. We have emailed and called several times throughout the last year and half to XXXX and have reached out to the escalations department in lost mitigation to explain multiple times what we are dealing with. We received a letter from XXXX XXXX XXXX on XX/XX/XXXX, in the customer relations dept. stating they are aware and know that there are issues but that it's up to XXXX to do anything because they were the originators of the loan. Right now, we have a complaint submitted to XXXX through CFPB, and I am now filing this one to Mr. Cooper because on the avoidance and ongoing matter regarding our unlivable home due to underwriting errors for engineering according to XXXX regulations for XXXX XXXX for XXXX approval . I am submitting documentation from XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  regarding the error and all correspondence from the state inspections we have had done, along with a current engineering report with an explanation of findings and accurate information regarding the homes current condition, and how it was during purchase but because of the error on XXXX 's XXXX during underwriting, we are now in an approved XXXX  mortgage for a structurally broken home. Mr. Cooper needs to do their part now that they own the loan and provide us a solution to the issue and a way out of the {$250000.00} loan we are in for an unlivable home, and with our money returned.

Company response to consumer: Closed with explanation