vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I'd like to address significant inaccuracies in the credit reporting conducted by XXXX XXXX, which have adversely affected my credit profile. The company is erroneously reporting a charged-off loan as an open account, leading to a detrimental impact on my credit standing. 

Furthermore, there are inconsistencies in the reporting of dates and payment amounts across the three major credit bureaus. For instance, XXXX indicates that the account was opened on XX/XX/XXXX, while the other two bureaus state it was opened on XX/XX/XXXX. Additionally, the reported balance across all bureaus is consistently shown as {$57000.00} ; however, the high credit limits vary, with XXXX and XXXX reporting {$51000.00}, while XXXX reflects {$58000.00}, all of which are inaccurate. 

Moreover, there is conflicting information regarding the last payment made on this account. XXXX and XXXX report that the last payment occurred on XX/XX/XXXX, while XXXX indicates that the last payment was made on XX/XX/XXXX. It is important to note that this loan has been charged off across all bureaus. 

I have requested a Form 1099-C, which I have yet to receive, as well as a release of title. The erroneous reporting by XXXX XXXX has caused significant harm to my credit profile, and I believe this company should be held accountable for these inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capiol one is falsely reporting a debt i dont owe. And other inquiries that arent mine. I recently reviewed a copy of my credit report and realized some false information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these fraudulent accounts because none of these items on my report represent any transaction I made. | believe | am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting I ask that the accounts listed below be removed because it's in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
To whom it may concern, This letter is in response to your recent claim regarding account XXXX, which you claim my account was charged off {$260.00}. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Statements are not accurate or valid when adhering to The Fair Credit Reporting Act, 15 U.S.C. 1681c.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detaling any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name 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 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 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 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 XXXXXX/XX/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 2025-04-02 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OK

Complaint narrative:
Investigation and contact, I paid this, set copies of the returned and cashed bank check where i paid it, then I hired attorney who also sent letters to them and their listed credit/attorney with the proof, and they refuse to answer continue to report negatively and now are reporting as closed and charged off and getting phone calls from another agency. 
I paid this account balance in full on XX/XX/year> and sent the payment certified and they signed for it on XX/XX/year> with a bank check XXXX had to sign for and they did receive and cashed the check it cleared on XX/XX/year>. They continue to report I did not pay this bill and have added missed payments and {$400.00} fees and have collections and attorney sending me letters and calling me and my credit is being affected. I hired an attorney, XXXX XXXX, who sent letters and contacted the attorney and XXXX and they refuse to correspond or speak with him and are still reporting negatively and now another collection agency is calling about this account. He has copies of the paid bank draft made to target from myself and my bank, as well as the receipt for the certified letter and payment sent to target.

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 2025-04-02 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: OK

Complaint narrative:
Investigation and contact, I paid this, set copies of the returned and cashed bank check where i paid it, then I hired attorney who also sent letters to them and their listed credit/attorney with the proof, and they refuse to answer continue to report negatively and now are reporting as closed and charged off and getting phone calls from another agency. 
I paid this account balance in full on XX/XX/year> and sent the payment certified and they signed for it on XX/XX/year> with a bank check XXXX had to sign for and they did receive and cashed the check it cleared on XX/XX/year>. They continue to report I did not pay this bill and have added missed payments and {$400.00} fees and have collections and attorney sending me letters and calling me and my credit is being affected. I hired an attorney, XXXX XXXX, who sent letters and contacted the attorney and XXXX and they refuse to correspond or speak with him and are still reporting negatively and now another collection agency is calling about this account. He has copies of the paid bank draft made to target from myself and my bank, as well as the receipt for the certified letter and payment sent to target.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Investigation and contact, I paid this, set copies of the returned and cashed bank check where i paid it, then I hired attorney who also sent letters to them and their listed credit/attorney with the proof, and they refuse to answer continue to report negatively and now are reporting as closed and charged off and getting phone calls from another agency. 
I paid this account balance in full on XX/XX/year> and sent the payment certified and they signed for it on XX/XX/year> with a bank check XXXX had to sign for and they did receive and cashed the check it cleared on XX/XX/year>. They continue to report I did not pay this bill and have added missed payments and {$400.00} fees and have collections and attorney sending me letters and calling me and my credit is being affected. I hired an attorney, XXXX XXXX, who sent letters and contacted the attorney and XXXX and they refuse to correspond or speak with him and are still reporting negatively and now another collection agency is calling about this account. He has copies of the paid bank draft made to target from myself and my bank, as well as the receipt for the certified letter and payment sent to target.

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 2025-04-02 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-02 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 formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-02 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I paid off my XXXX XXXX XXXX with MoneyLion, totaling {$970.00}. I was initially informed that the funds held in the XXXX XXXX Account would be returned to my linked bank account within five business days of payment receipt. 

MoneyLion confirmed receipt of my payment on XX/XX/XXXX. However, when I followed up, I was told the return timeframe was actually 15 business days. I waited the full 15 business days, but the funds were still not returned. 

Since then, Ive contacted MoneyLion multiple times. Each time, I was told the issue is under investigation and that a support ticket is open. No further details have been provided. On XX/XX/XXXX, I called again and was told the delay is due to an internal matter and that the refund process will take longer than expected. I requested to speak with a supervisor, but was only told that a supervisor would call me backno call has been received as of this writing. 

It has now been nearly a month since my payment was received, and I still have not received my {$970.00}. I am seeking assistance to recover my funds and hold MoneyLion accountable for their lack of transparency and failure to honor their stated timelines.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting a {$3600.00} debt to Experian without sufficient and legally required validation. 

I previously disputed this debt, requesting full validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ) XXXX. XXXX XXXX responded with vague, generic documents that failed to include a signed contract, chain of assignment, or detailed breakdown of the charges. There is no proof that I owe this debt, nor that XXXX XXXX legally owns or has the right to collect on it. 

Despite Experian updating the status of the account, XXXX XXXX has not provided any evidence that establishes a direct relationship with the original creditor ( XXXX ) or proves the debt is accurate and collectible. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

This unresolved and unvalidated account is negatively affecting my credit and financial opportunities. I am requesting CFPB intervention to compel XXXX XXXX to either prove ownership with a signed contract from XXXX or immediately delete the account from all credit reporting agencies.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2025 Confirmation # XXXX I accidentally made XXXX exact payments to pay off in full my credit card on XXXX. Once I noticed this error, a call to request duplicate payment was placed to be put back into my checking acct. Was told up to 10 business days to receive back into my account and confirmation of my checking account number was made. 
XX/XX/2025 Spoke to XXXX ( TX ) was told $ not able to be put into checking ( could not state why ) and said a check was sent out on XXXX. No check or any other information was received by me. Requested stop payment of check and if $ could not be put back into checking acct, credit to be given back on credit card. Was told immediate stop payment and up to 10 business days to receive credit back to credit card. 
XX/XX/2025 Spoke to XXXX ( AZ ) called to check on status. Was told stop payment does not occur until 10-14 business days after the XX/XX/XXXX date and to wait additional 7-10 business days. Spoke to supervisor XXXX and he said there was nothing he could do. 
XX/XX/2025 Spoke to XXXX ( VA ) was told she communicated with supervisor and it would be escalated and I would have my $ in 2-4 business days. 
XX/XX/2025 Spoke with XXXX supervisor and was told she had to go home at XXXX XXXX, but would look into it and reach out to me before that time frame as to what information she could find out and so far I have not heard anything back.

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 monetary relief