vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XXXX I disputed 7 accounts with Experian pursuant 15. U.S.C 1681i ( 2 ) and 15.U.S.C 1692 ( c ). I requested the deletion of the following accounts : I disputed XXXX XXXX Associates pursuant 15. U.S.C 1692 ( c ). Communicaton with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of comptent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Experian is in direct violation of my rights. 

I disputed XXXXXXXX XXXX pursuant 15. U.S.C 1681 ( i ) when a furnisher reports negative information, they shalll notify the consumer within 30 days. I gave no written instruction to furnish this negative account information onto my credit report. This is a violation of my rights. 

I disputed XXXXXXXX XXXX pursuant 15. U.S.C 1681 ( i ) when a furnisher reports negative information, they shall notify the consumer within 30 days. I gaven no written instructions to furnish this negative account information onto my credit report.This a violation of my rights.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX and Navy Federal Credit Union for continued inaccurate reporting of a charged-off credit card account ( opened XX/XX/XXXX ; last payment XX/XX/XXXX ) with a balance of {$12000.00}. 

This account was charged off in XXXX, and under the Fair Credit Reporting Act ( FCRA ), charge-offs must be removed from credit reports 7 years from the date of first delinquency ( DOFD ). We are now approaching or have exceeded that window. 

Additionally, this account should either : Be removed from my XXXX report entirely, or Be updated to reflect a XXXX balance if the debt was charged off and is no longer collectible by Navy Federal. 

XXXX and XXXX have already removed this account from my credit reports due to aging and policy compliance. XXXX continued reporting of a high balance as of XX/XX/XXXXXXXX  is both inaccurate and damaging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 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 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I settled a debt with a collection agency at the beginning of last month. While the full balance included extra fees and interest, I negotiated a settlement that covered the actual amount owed. As part of the agreement, I specifically asked if the account could either be marked as paid in full or deleted entirely from my credit report ( a pay-for-delete agreement ), and I was told it would be. However, after making the agreed-upon payment, the account was marked as settled and still shows as derogatory on my XXXX credit report. This is negatively affecting my ability to purchase a home. I paid the agreed amount in good faith, based on their word, and they failed to honor that agreement. I am requesting that the account be removed from my credit report as originally promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions 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 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/year> Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/year> Account Name : US DEPT OF EDXXXX XXXX XXXX - 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered that I had 11 federal loans under my name after applying for a mortgage and having a credit check done. At that point, I found out that the loans were delinquent for 132 days because I was unaware that I had these loans. 

In XXXX of XXXX, I received my first email from XXXX stating that I have missed several payments. At this point, I had my father ( who I also have XXXX XXXX XXXX with ) call the lender to find out what the problem was. At that point, they reassured us that there were no issues with the account and that everything was being paid on time. Without looking into my loans specifically, the representative from XXXX told me to disregard the emails and that they would make note of the glitch ( me getting emails stating that I missed payments ). 

During the conversation on XX/XX/XXXX, the agent put the loans into forbearance until XX/XX/XXXX so that we had time to investigate. I looked into it further today and have determined that they are valid loans at which point I called XXXX back. I asked if I were to pay a good majority of my loans back, if they would be willing to remove the lateness on my credit report. Unfortunately, they denied my request and stated that there was nothing they could do. 

Now that the loans are up to date, I have arranged for the payments to be auto-paid monthly. 

I pride myself in paying my loans on time and had a perfect credit score prior to this incident. Not only that, but I am a responsible person who works full-time as a nurse. 

I am coming to you to see if there is anything you could do to help me have this removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has exposed my sensitive personal information, including my Social Security number, to customer service agents located in foreign countriesspecifically XXXX. When attempting to contact Equifax using published customer support numbers, I was consistently routed to offshore call centers, whose agents had access to my full credit report and personal identity data. 

This access is confirmed through XXXX own Privacy Notice and SEC filings, which state that Equifax uses third-party vendors and overseas personnel for support operations. However, there is no disclosure of who these vendors are, what contractual safeguards are in place, or how XXXX privacy laws are enforced abroad. 

I am deeply concerned that foreign-based contractors, who are not governed by XXXX law and enforcement mechanisms, are granted full visibility into my private financial data. These practices are not disclosed transparently, and Equifax provides no clear way for consumers to opt out or restrict such access. My concerns are further exacerbated by the known lack of internal enforcement of XXXX 's data protection laws. 

How can anyone guarantee that the third-party call centers have both effective and enforced safeguards in place, and to make matters worse these call centers are located in a jurisdiction where data security enforcement is limited and which has been repeatedly cited in international reports for high rates of identity theft and cybercrime. Quite literally every facet of my identity is handled by XXXX XXXX XXXX such as Equifax, yet Equifax is the only agency that I experienced with no option for phone support other than outsourced third-party call centers in XXXX. 

I have included documentation to support this complaint, including Equifaxs Privacy Notice and SEC filings. XXXX SEC filings describe the general data protection laws of the countries in which they operate. However, they provide no concrete evidence that these laws are enforced or that their safeguards are implemented in practice. If such documentation exists, I respectfully request that Equifax provide it to me directly to ensure transparency and assurance that my sensitive data is properly safeguarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX XXXXXXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a issue with my previous financial institution returning payments that had said they were posted in my credit card account and then it happened twice so I couldn't even get a new bank account and I had a very generous family member that lent me the money to pay this credit card off in full to repair my credit and I called them on the first of XXXX and not only had I also called them the previous months and asked them straight out if they had the auto pay amount said it had posted on the first because I get my XXXX on the first and it was also reflected in my availability and I asked the rep if they had actually received the funds from my bank and was told Yes but then my bank returned the payment so last week I called them to say that I would have the money to pay the bill in full so could the minimum payment due for auto pay be taken off just until my first direct deposit for XXXX gets deposited into my new account and she said fine she said that she would make sure I would not be charged another late fee and then I never saw the adjustment in the account so I call again and am assured it will be fine and then I decided to call earlier as I had the XXXX minimum amount due that was supposed to be removed and I was paying for the entire balance and I literally had the whole thing recorded asking if you XXXX ( last name ) agree to let capital one take such amount out of the account I have and I said yes minus the late fee and then I said I agree to have it done immediately and then everything didn't happen at all like I was told and I will be honest I had the ability to record my calls on my previous phone and I did it for just this type of situation and I'm sorry but I have every single right to have these recordings as It has been recorded in my voice and I have been totally messed up with this situation and my credit has been affected and I need to have proof of the fact that I had someone tell me that they had received the money from my bank account so I can get the money returned and my status as having payments returned and late fee and then I was recorded paying for the entire amount but they are denying everything... please help me as I don't have any other way to prove everything just from XXXX first thru the XXXX. Also my number is not the one that was auto filled it's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Earlier this year, I purchased a recliner from XXXX XXXX XXXX in XXXX XXXX, MI using my XXXX credit card, and it was delivered to our home on XX/XX/XXXX. However, on Saturday, XX/XX/XXXX, I began receiving texts and emails from XXXX XXXX thanking me for picking up a self-pickup order. This was alarming, as I had not placed any such order. 

Upon further investigation, I discovered that someone had used my XXXXXXXX XXXX XXXX to purchase {$7600.00} worth of items and picked them up in person at the same XXXX XXXX store. When we went to the store to address the situation, the manager was very rude and not helpful at all. We were informed that the surveillance cameras were down at the time of the pickup and there was nothing they could do to help us. The store also stated that the individuals who picked up the items presented an ID and credit card with my name and address on them. They stated that they performed a three point security check, all with my information. They said when they scanned the back of the ID, my name and address came up which seems impossible.

I was even out of town during this in-person pick up which is further evidence it was not me who authorized the purchase. I made a police report to get help with this. After the detective conducted further investigation, we learned the cameras were down in both the store location where the charge was authorized and then warehouse where the furniture was picked up. The detective was informed that the person who picked up the furniture was of a different race than me. Further evidence that it was not me who authorized the purchase.

I submitted a claim with
Synchrony Finacial, who is the bank that partners with XXXX XXXX XXXX credit card. The first claim got denied on XX/XX/year> due to their investigation stating I authorized the purchase. I appealed the decision and had the detective work with Synchrony Financial. I received a second denial on XX/XX/year>, this time stating my claim was denied for a new reason. This time stating the furniture was delivered to my address. Once again, there is proof from the police department and XXXX XXXX XXXX that the furniture was picked up at their warehouse and not delivered to my address. I also have photographs of the furniture in the warehouse being picked up in a van.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This letter serves as a formal secondary dispute for the complete removal of the XXXX XXXX XXXX collection account # XXXX from my credit report. The significant inaccuracies and inconsistencies in the reporting of this account across the three major credit bureaus raise serious concerns about its validity and verifiability. 

The information reported for this account includes the following discrepancies : Account Status : Experian and Equifax reports show - Closed, while XXXX credit bureau shows - open. This fundamental difference in status indicates unreliable reporting. 
Date Opened : Your report lists XX/XX/2023, while XXXX shows XX/XX/2023. This inconsistency in a key account detail further undermines the accuracy of this listing. 
Dates of Activity/Reporting : The " Date of Last Activity '' and " Date Reported '' vary significantly between your bureau and the others, suggesting a lack of consistent and verifiable information. 

Furthermore, Unlike Equifax, your report does not explicitly state that the debt has not been verified by the subject. Equifax 's report notes, " Subject has not verified debt, '' which raises serious questions about the legitimacy and verifiability of this collection. 

Equifax : Your report already indicates " Subject has not verified debt. '' This, coupled with the inconsistencies in other key account details when compared to XXXX and Experian, strongly suggests that this collection is not being reported accurately or verifiably. 

The presence of these multiple inconsistencies indicates that the information regarding this collection is unreliable and potentially inaccurate, making it impossible for you to accurately verify its details.

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 2025-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
Already received forgiveness for XXXX  student loans through the borrowers defense settlement. Loans from school were deemed as predatory/pressured by school or some other egregious act that allowed for loan forgiveness Requested similar action from XXXX for XXXX XXXX student loans Received an arbitrary denial response which did not have transparency beyond the fact that XXXX stated XXXX " XXXX student loans '' are not offered eligibility for loan forgiveness

Company response to consumer: Closed with explanation