vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a diamond ring using PayPal Credit to pay for it. On XX/XX/XXXX I received the ring. The ring did not match the description of the item, it was of much lesser value. I contacted the seller on XX/XX/XXXX informing the seller I wanted a replacement. On XX/XX/XXXX, the seller instructed me via email to return the item and provided the address. On XX/XX/XXXX I returned the item, as instructed by the seller. I have the documentation of the return. The seller said in XXXX weeks the new ring would be shipped out. XXXX weeks later, on XX/XX/XXXX, I contacted the seller for an update. The seller said the ring would ship out on XX/XX/XXXX. On XX/XX/XXXX, I contacted the seller again because the replacement ring had not yet been shipped to me, and the seller stopped answering emails and calls completely. On XX/XX/XXXX I file a dispute with PayPal. On XX/XX/XXXX, Paypal found the seller was favorable because they shipped the ring on XX/XX/XXXX. I appealed the case because I have all the documentation that proves the seller instructed me to return the ring since they were going to send me another one. The case is currently under review, which is absurd because I paid for the ring, was sent an item that did not match the description, was instructed to send it back, sent it back, and now I have no ring and lost my money.

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 2025-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a loan with Mr. Cooper. A XXXX party who I did not authorize accessed my account and requested a payoff quote which I did not authorize. Mr. Cooper is charging me {$25.00} in fees for this payoff quote. I have contacted Mr. Cooper and they have told me that they are unwilling to reverse the fee. They acknowledge that they let someone who was not an authorized user on the account to access the account and generate the fee. Importantly, they have told me that I am unable to pay principle on my loan while there is a fee on the account.

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I am filing a complaint against EdFinancial Services regarding the inaccurate reporting of a XXXX delinquency on my student loan account ending in XXXX. At the time the delinquency was reported, my loans were in forbearance, and there was no clear communication from XXXX  that auto-debit payments would not resume once the forbearance ended. Additionally, I was unable to access my EdFinancial accountmy account number was not recognizedand when I received correspondence by mail, I reasonably assumed it was fraudulent due to the lack of matching account records. 

I also never received any XXXX or XXXX late notices, which are typically issued before a XXXX delinquency is reported. This delinquency appeared suddenly on my credit report without adequate warning or progressive reporting. The loan has since been paid in full, and I had a clean payment history dating back to 2008 prior to this issue. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, furnishers of credit information are required to ensure that all information reported to credit agencies is accurate and complete. I believe EdFinancial has violated this standard and am requesting that the delinquency be removed from my credit report.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been unable to access my Citi credit card online account ( both desktop and mobile ) for several months. Despite multiple calls and attempts to resolve the issue through Citi customer service, the problem remains unresolved. As a result, I can not view transaction details or redeem my reward points. I believe my account is in good standing, and I have provided all necessary verification during previous support calls. This ongoing issue has caused significant inconvenience and raises concerns about account transparency and accessibility.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Statement Regarding Navy Federal Credit Union I am submitting this formal statement to document and report the egregious conduct of Navy Federal Credit Union ( NFCU ) in relation to my financial account, credit reporting, and their treatment of me while I was on active military duty. NFCU engaged in coercive, unethical, and legally questionable debt collection practices that not only caused significant damage to my credit and financial wellbeing but also compromised my professional standing in the United States XXXX XXXX. 

While I was serving on XXXX XXXX, NFCU XXXX directly threatened to report me to my military command if I failed to make timely payments. These threats were designed to induce fear and compliance by jeopardizing my career and reputation. Such actions are a violation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq., which explicitly prohibits creditors from taking or threatening adverse actions against servicemembers without proper legal process. 

In addition, NFCU reported negative information to consumer credit reporting agencies while the debt was disputed and unresolved. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that data furnishers investigate and correct inaccuracies in a timely and accurate manner. Despite my requests for validation and resolution, NFCU refused to acknowledge the dispute, provide any form of debt verification, or correct their reporting errors. 

Their actions have severely and unfairly damaged my credit profile, affecting my post-service ability to obtain housing, employment, and other essential services. XXXX XXXX tacticsthreats of command notification, refusal to validate debt, and harmful credit reportingrepresent not only an abuse of power but a betrayal of trust to the military community they claim to serve. 

I am seeking full removal of the negative tradelines from all credit reports, written confirmation that no further threats or coercive tactics will be employed, and appropriate restitution for the harm caused by their violations.

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

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-05 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: NC

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2025-05-05 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
this formal complaint regarding XXXX XXXX, which is reporting a collection account on my credit file. I dispute their legal authority to collect on this alleged debt, as they are not the original creditor and have failed to provide me with any verifiable documentation proving they have a legal assignment or ownership of this debt. 
XXXX XXXX is reporting a collection account on my credit report. However, they are not listed as the original creditor, and they have not supplied me with any signed contract or legally binding assignment agreement that shows they are authorized to collect this debt or report it to the credit bureaus. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : I have the right to request validation of the debt. XXXX must provide evidence of the amount owed, the name of the original creditor, and documentation that proves they own or have been assigned the debt. To date, they have not provided sufficient validation. 


Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 : Any information on my credit report must be accurate and verifiable. If a creditor can not verify an account, it must be deleted. LVNVs failure to prove its claim means this debt should not appear on my credit report. 


Uniform Commercial Code ( UCC ) Article XXXX, 9-406 : According to UCC 9-406 ( c ), if a debtor ( myself ) requests proof of assignment, the collector ( LVNV ) must furnish it. Without valid documentationsuch as the original contract bearing my ink signature or a legally executed assignmentthey have no standing to collect or report this debt. 


UCC 3-305 & 3-309 Enforcement of Instruments : Under these codes, a party attempting to enforce a negotiable instrument ( like a debt ) must prove they are the holder or a non-holder in possession with the rights of a holder. If the original contract has been lost or destroyed, they must meet strict conditions. XXXX has provided no such evidence. 


Permanent Deletion with Prejudice : I request that the collection account be deleted from all credit bureaus with prejudice, meaning it can not be reinserted or resold to another collector. 


XXXX XXXX : Due to the damage caused by this account, including a reduced XXXX XXXX and being denied credit ( housing and auto loan opportunities ), I request financial compensation as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n for the inconvenience, stress, and economic harm suffered. 


Written Confirmation : I request formal written confirmation that this matter has been resolved and that the account has been removed.

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

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: WV

Complaint narrative:
I am attaching a letter received today from a collections company. I have no idea what this is for, as I haven't owned a property in the Wheeling, WV area for over 4 years. I called and was asked repeatedly to provide a credit card number. No details were given about the account, only the same tactic over and over again ( asking for credit card ).

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-05 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: CA

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 non-monetary relief
Consumer complaint received 2025-05-05 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-05 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-05 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

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 2025-05-05 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: IN

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 2025-05-05 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: GA

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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