vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Error Description : negative Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law. 

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I saw that the available balance in my Venmo account did not accurately depict what should have been available. So upon contacting Venmo services they informed me that XXXX had been withdrawn from my account from a XX/XX/11 in XXXX XXXX at around XXXX. I was and am no where near XXXX XXXX. I went ahead filling a dispute with them and was hopeful this would be resolved accordingly. Instead I received an email 2 days later ( today ) on the XXXX stating that my dispute was denied and that they, through their investigation was deemed to be authorized. I do not believe they investigated thoroughly or really did any investigation at all. I could have told you it was authorized because whoever it was was able to pull the money from my account! I have appealed the determination of my dispute but I doubt that I will have any luck in an appeals process with them if that is the kind of investigation they are going to do and I am about to close my account with them and no longer do business with them. I am disappointed, disgusted and out of pocket XXXX dollars I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Request lower rate. Received letter today that request was denied due untrue statements of bad credit, late payments. My credit has been XXXX for a time with no history of bad credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Requested derogatory information to be removed from credit reports, since it has been nearly 4 years since the information has been published. Past due account dates noted on credit reports. Credit counseling instructed to make no payments. Paid in settlement amount is not published. Highest balance and written off amount should not be the same if a settlement was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$2200.00} Open Date XX/XX/XXXX XXXXXXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$790.00} Open Date XX/XX/XXXX XXXX  Balance {$790.00} Open Date XX/XX/XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
Account opened with XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX inquiry date XXXX 2. XXXX XXXX XXXX inquiry date 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 2025-03-24 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: WA

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to formally request the cancellation of my student loan due to unauthorized access and mishandling of my student records. Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records should be protected from unauthorized disclosure. However, I have reason to believe that my student information was accessed or used without proper authorization, leading to the disbursement of loans without my full consent or knowledge.

I kindly ask for the following : A complete review of my student loan records, including all disbursements and authorization details.

The cancellation of any loans that were processed without proper authorization.

A written response detailing the steps that will be taken to investigate and resolve this matter. 
If this issue is not resolved, I am prepared to escalate my complaint to the XXXX Department of Education and other relevant oversight agencies. Please consider this letter a formal request for resolution. I would appreciate a prompt response within [ reasonable timeframe, e.g., 30 days ]. 

Thank you for your time and attention to this matter. I look forward to your response. Please feel free to contact me at XXXX for further clarification. 

Sincerely, FERPA is short for the Federal Education Rights and Privacy Act, which prevents your student information from being disclosed to third parties, '' XXXX says. However, he goes on to explain that " There is no private right of action, no right for an individual to sue for violations of FERPA. The US Supreme Court actually decided the case in 2002 in a case called XXXX v. Doe. In that case, the XXXX Supreme Court ruled that individuals do not have the right to sue for a violation of FERPA. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I made payment arrangements online in early XX/XX/2025 with the first payment being deducted from my checking account on XX/XX/ 2025 and again on XX/XX/2025. However on XX/XX/ 2025 they processed a judgement against me for a higher total amount. When I called and asked them to fix this with something in writing stating they would not garnish my wages nor collect the higher balance I was told they couldn't give me either of those things. I don't understand why I would need to continue the voluntary payments when they can garnish me at the same time and for an amount that is higher than the amount I made the payment arrangements for?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have an available balance of well over {$250.00} in my account and my car payment still was returned for a slightly lesser amount of {$200.00}. They need to undo this return payment and repay it because it was their error.

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 2025-03-24 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: GA

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business of receiving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$480.00}, XXXX XXXX XXXX XXXX Balance {$740.00}, XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX Balance {$520.00}, XXXX XXXX XXXX  Balance {$590.00}, XXXX XXXX Balance {$200.00}

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 2025-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I was forced to pay {$12000.00} down to take my house out of a foreclosure lien sale that BSI had obtained during Covid when the court system was closed down. They were threatening to kick me out of my house being that Im an XXXX. I was XXXX  years of age at the time XXXX XXXX  years of age now They never discussed my income status. It came up with a plan, forcing me to assign after conducting fraud by trying to swindle and harass and pressure me into signing a new loan, when the first original alleged line of credit had already been reconveyed this is not a duplicate complaint. Theyre not offering the correct information on how it all originated, which they never provided any documentation to show that they were in the XXXX XXXX had reconveyed the loan back in XXXX. You cant wait 13 years later and say this is now your loan after it has been reconveyed and dismissed and you cant double the fees and interest rate And push on an elder person thats fraud and elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
In XX/XX/scrub> 2025, I discovered a rental collection account on my credit report from National Credit Systems for a balance of {$5800.00} related to an XXXX  at The XXXX at XXXX. I did not apply for or sign a lease for this apartment, nor did I ever live there. This account was opened without my knowledge or consent and is the result of identity theft, likely by a family member who has struggled with XXXX XXXX 

I immediately filed an identity theft report through the FTC and received confirmation, which I offered as proof. However, when I contacted National Credit Systems, I was told that they require a police report in order to remove the account. I have made multiple attempts to file a police report in both Texas ( where the apartment is located ) and Missouri ( where I live ), but law enforcement either refused due to residency restrictions or told me the process would take months. I am being punished for doing the right thing and trying to resolve this legally. 

This fraudulent debt is making it extremely difficult for me to secure housing, despite the fact that I am a victim. I have done everything I can to provide documentation, including the FTC Identity Theft Report, and still the company is refusing to remove this account. 

I am requesting that this account be removed from my credit report immediately as it is not mine, and all signs indicate identity theft. I am more than willing to cooperate, but I need help taking action when the creditor is demanding documents that are inaccessible to me through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Debt Validation Re : Account Number : XXXX LVNV funding I am writing to formally request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. Verification of the Debt : Provide a copy of the original agreement that clearly establishes my obligation to pay the debt.

2. Amount of the Debt : Itemized details of the current balance, including principal, interest, fees, and any other charges.

3. Creditor Information : The name and contact information of the original creditor.

4. Proof of Ownership : Documentation that demonstrates your legal right to collect this debt.

5. Payment History : A complete payment history, including any payments made and how they were applied.

6. State Licensure : Evidence that your agency is licensed to collect debts in my state, if applicable.

Please consider this letter a formal dispute of the validity of the debt. Until you provide the requested validation, I request that all collection activities cease, including any reporting of this debt to credit bureaus.

Additionally, please refrain from contacting me directly other than to provide the validation requested. I will also keep a copy of this letter for my records.

Thank you for your cooperation.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
Im writing because I discovered unauthorized information on my credit report, and Im extremely frustrated by this mistake. I never gave permission for this data to be included, and its presence is not only wrong but is also damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report, which I believe may have been opened due to the recent data breach involving Equifax, TransUnion, and Experian. I am concerned that my personal information was compromised during the breach, and I have discovered accounts on my report that I do not recognize or authorize. 
Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Given that the breach has put my sensitive data at risk, I am requesting that you investigate these accounts under the Fair Credit Reporting Act ( FCRA ) and immediately delete any fraudulent or unauthorized accounts from my 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 explanation
Consumer complaint received 2025-03-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/year>2024, I traded in my XXXX XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX at the XXXX XXXX. Prior to the appointment, I backed up my old phone at home, and while in the store, I attempted a second backup to ensure everything was saved. However, the XXXX XXXX staff took my old phone before the backup was fully completed and sent me home with the new device. 

After setting up my new phone, I realized that a large portion of my personal data specifically photos and other content from XX/XX/scrub> 2024 through early XX/XX/year>2024 were missing. I immediately contacted XXXX XXXX and was told that it would take approximately one week to retrieve the data. I waited, but after more than a week, I was informed that the data could not be recovered. XXXX never acknowledged responsibility for this issue. 

This resulted in a loss of important personal photos and sensitive information. I believe this was due to the negligence of the store employees, who failed to follow proper procedure by not confirming the backup was complete before taking my device. 

In addition to this issue, XXXX later closed my Apple Card account without any notice or explanation. I only discovered it after noticing a significant drop in my credit score. This has caused me further financial harm and long-term impact on my credit profile. I had never missed a payment or violated any terms of service, and I was not given a chance to address or resolve any concerns before the account closure. 

I disputed the transaction of {$1100.00} through Apple Card ( Goldman Sachs ) twice, but the charge was reinstated both times. I am filing this complaint to escalate the issue and request that the charge be reversed due to the service failure, the loss of valuable personal data, and the financial harm caused by the sudden and unexplained closure of my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation