vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I sent this letter to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681i ) To whom it may concern ; In accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of considering the accuracy of that information. 
The following account is reporting a balance of {$25000.00} which is inaccurate. It is my understanding and belief that Navy Federal Credit Union charged off this debt, and that it was issued a Form 1099C as proof or evidence thereof. That balance should therefore reflect a XXXX ( {$0.00} ) balance on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation requiring the furnisher to correct this inaccurate information. 
Especially with the proper notice and confirmation of the errors ). 
Please remove the account from my credit report completely to avoid legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply and forward any correspondence or changes to my credit report to the address listed above Regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-30 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: CA

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi. Under the consumer law 15 US CODE 1681b Permissible purpose of consumer reports, states that I have to give my permission to share my information and these violating companies did not get my permission, nor was I asked. The debt was not validated by me. I did not receive a model form B1 form from none of these companies which is required per 12 CFR 100.3 4 C. Also the law say under 5 USC 1681b 2 The Law for Permissible purposes say they may furnish a report under the following circumstances and no other, in accordance with the written instructions of the consumer in which it relates. Identity theft has been committed also.15 USC 1681q say any person ( corporation ) who knowing and willing obtain information on a consumer from another consumer reporting agency under false pretense can be fined. This is not my debt. I disputed before and they are still reporting which is hurting my everyday life stopping my from obtaining credit. 

EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-30 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:
Hi. Under the consumer law 15 US CODE 1681b Permissible purpose of consumer reports, states that I have to give my permission to share my information and these violating companies did not get my permission, nor was I asked. The debt was not validated by me. I did not receive a model form B1 form from none of these companies which is required per 12 CFR 100.3 4 C. Also the law say under 5 USC 1681b 2 The Law for Permissible purposes say they may furnish a report under the following circumstances and no other, in accordance with the written instructions of the consumer in which it relates. Identity theft has been committed also.15 USC 1681q say any person ( corporation ) who knowing and willing obtain information on a consumer from another consumer reporting agency under false pretense can be fined. This is not my debt. I disputed before and they are still reporting which is hurting my everyday life stopping my from obtaining credit. 

EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-30 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:
I'm reaching out to make something very clear. I need full assurance that all the data linked to this account every file, detail, activity log, and personal identifier belongs solely to me. No exceptions. This is important for both my privacy and peace of mind. I'm asking for this certification because I want to be absolutely certain that my personal information is not mixed with anything that doesnt belong to me. I need confirmation that everything on this account is exclusively mine nothing more, nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One has requested authorization from me in previous complaint XXXX. This authorization was uploaded to Capital One on XX/XX/XXXX and XXXX, XXXX. I have also attached it here. 

Capital One has wrongly closed my dispute for services not as described with merchant XX/XX/XXXX in the amount of XXXX. I have followed all rules and provided all evidence needed for this valid charge-back. See rules here XX/XX/XXXX Specifically Capital One has allowed the merchant to assert it's no refund return policy. This is in violation oXX/XX/XXXX rules that state a merchant can not rely on it's return policy for a not as described case. See page 40 to 41 of the XXXX XXXX XXXX XXXX for XXXX merchants dated XXXX of XXXX. " Merchants should keep in mind that their return policy has no bearing on disputes that fall under this dispute condition. '' The merchant provided XXXX evidence that the services were as described. This evidence is required of the merchant pursuant to XXXX rules. See attached evidence and documents. As of today 's date I have been denied my rights under Federal law. The house was advertised as clean with a pool and satisfaction guaranteed. It was advertised as " your private oasis '' In this case there was no usable pool. The shower drain was plugged with hair and mold. The oven was filthy. There was mold and filth though out. There was visible trash throughout. The merchant has provided no evidence at all showing the house was as described. The merchant has only provided evidence of a no refund policy. This is a violation of XX/XX/XXXXdispute guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
RE : NewRez LLC XXXX # XXXX Loan Number XXXX -XXXX XXXX XXXX I would like to file a complaint against NewRez LLC XXXX # XXXX, a mortgage company located at XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX PA XXXX. They also have an address of NewRez LLC, XXXX XXXX XXXX, XXXX, SC XXXX. 

In the last 3 weeks I have requested a payoff twice via their web site XXXX. After no response I made my regular payment with an extra principal payment sufficient funds to pay the principal to XXXX. 

New Rez posted the extra principal amount as an unapplied payment. On XX/XX/year>, I contacted NewRez through the contact us option on their web site ( exhibit 1 ) no response as of XX/XX/scrub> 2025, except the automated response. On XX/XX/XXXX, I contacted them through email XXXX, ( exhibit 2 ) again as of XX/XX/year>2025, no response. 

I request they pay the principal to XXXX as of XX/XX/year>2025 and use excess escrow funds to reconvey the deed of trust and return the excess to me. Exhibit XXXX shows the unapplied payment and escrow balance.

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 2025-04-30 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: NY

Complaint narrative:
According to 15 USC 1692 c, you have violated my rights by in lawful communications. Please remove this collection off of my credit report. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

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 2025-04-30 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: IL

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 non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-04-30 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: LA

Complaint narrative:
I'm reaching out to make something very clear. I need full assurance that all the data linked to this account every file, detail, activity log, and personal identifier belongs solely to me. No exceptions. This is important for both my privacy and peace of mind. I'm asking for this certification because I want to be absolutely certain that my personal information is not mixed with anything that doesnt belong to me. I need confirmation that everything on this account is exclusively mine nothing more, nothing less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I made about deal with Ally Financial XX/XX/XXXX I owed them over {$9000.00} for my vehicle XXXX XXXX XXXX so the made me a deal to only pay {$5300.00} for which i paid in 2 separate transactions 1st transaction was made on the XXXX for {$2400.00} second transaction was made on the XXXX for {$2900.00} which took a whole week to pull funds and at this time I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX and they had informed me the funds are waiting for Ally Financial to accept them so everyday I called Ally for confirmation that they'd be able to keep the deal going while waiting for them to accept transaction for which I was told yes as long as it comes out by the XXXX for which it did they even record all conversations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
The Optum Bank app can no longer be installed or used on most XXXX devices. This problem is affecting thousands of users. The problem began around XX/XX/year>2025. Any attempt to install the app receives an error message indicating that the app is not compatible with the device. 

There are numerous reports of this problem on the XXXX XXXX website, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: HI

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been XXXX  me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX XXXX. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit report, theres a collection from XXXX XXXX XXXX XXXX with an open balance of {$2300.00} and its reporting that it was opened on XX/XX/XXXX. I dont have any knowledge of this account, deeming the information to be 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 non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
On my credit report, theres a collection from XXXX XXXX XXXX XXXX with an open balance of {$2300.00} and its reporting that it was opened on XX/XX/XXXX. I dont have any knowledge of this account, deeming the information to be 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