vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I bank with Navy Federal Credit Union I filed XXXX & Bankruptcy in XXXX the bankruptcy discharged in XXXX. They are not willing to allow to make mortgage payments online or set up direct deposit. I have to call every month to make a payment or mail in a check. A luxury that I do not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-15 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: VA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 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: FL

Complaint narrative:
I am disputing a rental debt reported by XXXX XXXX XXXX to Experian RentBureau that is inaccurate and misleading. This item is preventing me from obtaining housing, which is a critical and basic need. 

I have attempted to resolve this with the property management company, but the issue remains unresolved. The balance is either inaccurate, already paid, not owed, or misrepresented. It is now negatively affecting my ability to secure a lease, as multiple apartment complexes have cited this report as the reason for denial. 

I am requesting an urgent investigation and removal of this item from Experian RentBureau under the Fair Credit Reporting Act ( FCRA ), as it does not reflect my true rental history. This reporting is causing financial and emotional harm. 

What do you want the company to do to fix your problem? 

I want the company to : Immediately investigate and validate the debt Provide all supporting documents justifying the reported balance Remove the rental debt from Experian RentBureau if it can not be fully verified Cease any further reporting that hinders my access to housing

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 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Last week, I received a call about a debt of approximately {$40.00}. I paid that amount, and the representative told me my account was now settled and that I wouldn't owe anything else. However, shortly after that, I began receiving more calls from the same phone number claiming I now owe {$860.00}. 

Each time, the callers demand that I verify personal information before they will tell me any details about the alleged debt. I asked them to stop calling and to remove my number, but they continue to contact me. The situation feels suspicious and possibly fraudulent. I believe I am being targeted for a scam despite having already resolved the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-15 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: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-05-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My wife and I have been a victim of a complex scam that was able to skim money from accounts, open trade lines, and healthcare accounts. We have received letters from government health insurance agencies informing us that we have been compromised. We have forensic reports showing that our personal devices were being accessed by IPs in different countries. We even meet with Law Enforcement and logged in person reports. We gather all of this and sent it to all bureaus hoping a HUMAN would review and follow the law as we work to fix this mess. 

Despite proper delivery and compliance with legal requirements, Experian failed to block the fraudulent information within the required four ( 4 ) business days and just now responded by falsely claiming the request may not have been authorized by me.... 

On XX/XX/XXXX, I sent a package of information to Experian concerning fraudulent accounts on my credit file, as permitted under FCRA 1681c-2.

The package was delivered via USPS Certified Mail, tracking number XXXX, and was confirmed delivered on XX/XX/year> The package included : A Police Report ( XXXX South Carolina Police Department, Report # XXXX ) An FTC Identity Theft Report ( # IDTheftReport_XXXX ) A Malware Forensics Report from a licensed cybersecurity firm ( XXXX XXXX ) A written and signed identity theft statement from me A detailed list of fraudulent accounts, including names and account numbers Despite this, Experian responded by stating that the request " may not have been sent directly '' by me and that no action was takeneffectively ignoring the documentation provided and violating the time-sensitive protections of FCRA 1681c-2. 

Experian is also stalling my Wife, XXXX with the same nonesense. 

Experians failure to act within the four-business-day window is a clear violation of federal law. Additionally, its refusal to block the accounts after receiving all required documentation places a continued burden on me, as the identity theft remains unresolved in my credit 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 2025-05-15 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: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account I C Systems Collections, I'm unaware of this debt and the company trying to collect it. I did not have the opportunity to dispute this account. if you believe you sent proper notification. please provide " Certified Mail '' with receipt displaying my signature. if not, please delete this account as soon as possible from my credit report or I will be forced to take legal action. 15 U.S.C. 1692g is part of the Fair Debt Collection Practices Act ( FDCPA ), this outlines the requirements for debt collectors to provide consumers with information about the debt being collected. specifically addressing the " Validation of Debts ''. It requires debt collectors to provide consumers with written notice of the debt within five days of initial communication, ( You have not done either. ) also outlines the process for consumers to dispute the debt. ( I have no knowledge of this account. )

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 2025-05-15 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:
XXXX account XXXX is a closed account showing on my credit report that is not mines. I reach out through mail XX/XX/year> company did not respond 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 explanation
Consumer complaint received 2025-05-15 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute of Unauthorized Credit Inquiries Dear Equifax I am writing to formally dispute unauthorized inquiries and fraudulent accounts listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Please treat this letter as my formal demand for immediate removal of the following unauthorized inquiries from my credit report promptly without 14 day investigation period in accordance with the legal rights offered to me under FCRA 604 ( b ) and 15 U.S. Code 1681 ( n ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my knowledge and consent. As protected by 15 U.S. Code 1681 ( n ), I demand these inquiries be removed immediately without a prolonged 14-day investigation. Failure to comply will necessitate further action as allowed by federal law, including full recourse for any damages endured due to non-compliance.

Additionally, fraudulent accounts need removal, including : XXXX. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  - Opened XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX {$600.00} XXXX. XXXX XXXX Fraudulent Account Details XXXX XXXX - As per attached FTC Report Number : XXXX Please confirm the removal of these inquiries and fraudulent accounts as soon as possible to prevent further damage to my credit profile. I am enclosing a copy of my FTC Identity Theft Report and a copy of my ID. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Theyre collecting a debt that is not mine with no proof that it is. Ive asked XXXX  to send documentation of proof in XX/XX/year> and they have yet to do so. 

They are way past their legal response time and must remove this debt from my credit as it is not valid. Pursuant to the Fair Debt Collection Practices Act, Section XXXX ( b ), I requested validation of the alleged debt, including the name and address of the original creditor, the amount claimed, and documentation that they have the right to collect this debt. Until you provide this information through mail and here they must cease all collection activities immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint because I believe a collection account on my XXXX  credit report is the result of identity theft and/or a data breach. The account is from LVNV Funding LLC with a balance of {$710.00}, and I have never conducted any business with this company nor authorized them to collect a debt in my name. 

On XX/XX/XXXX, I sent a written debt validation request to LVNV Funding LLC asking for documentation to verify the legitimacy of this account. The company picked the letter up on XXXX has now been over 30 days, and they have not responded. Despite this, the account continues to report on my credit file every month with derogatory remarks, harming my credit. 

The account details : Creditor : LVNV Funding LLC ( via Resurgent Capital Services ) Date of First Delinquency : XX/XX/XXXX First Reported : XX/XX/XXXX Reporting Bureau : XXXX XXXX XXXX  I believe this may stem from identity theft or a data breach, which is why I attempted to verify the debt in the first place. I am now requesting that the CFPB require the removal of this unverifiable and fraudulent account. 

This situation appears to violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681g Right to receive accurate information 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate 15 U.S.C. 1681i Credit bureaus duty to investigate disputed items This account is also flagged with Consumer Disputes narrative codes ( XXXX, XXXX ), yet XXXX  is continuing to report it with new negative information each month without resolution or verification from the data furnisher. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i XXXX  did not properly investigate or update the item despite the active dispute.

15 U.S.C. 1681s-2 ( b ) LVNV failed to verify the account but continued furnishing data.

15 U.S.C. 1681c The account may have been re-aged to continue reporting past its original delinquency. 

I respectfully request that this item be removed immediately due to failure to validate, inaccurate reporting, and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have encountered difficulties accessing my [ Experian ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a {$8000.00} check from my lawyer on Friday XXXX. The check that my Lawyer banks with also is from Chase bank account. It took one business day for it to go through and was available the following day. Wednesday night XX/XX/year> chase bank sent me a notification that my phone number was removed from my XXXX account and that they had closed my checking account with all of my funds for their reason lfraudulent I asked how is this possible and when can I have my funds? They said you might want to wait. We might be able to send you your funds through the mail, but they were not guaranteed they made it seem like I did the fraud theyre giving me a little information and not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
They are holding my insurance claim funds that were issued to fix my home and are not releasing them. I have followed all protocols and procedures, submitted all the required documentation that has been requested as well.

Company response to consumer: Closed with explanation