vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX last name XXXX XXXX last name XXXX Old Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX New Address : XXXX XXXX XXXX XXXX, TX XXXX I have tried to access my XXXX reports through Annualcreditreport.com They gave me an error message. 

There were data breaches with of my information. I was notified by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX, VA XXXX Re : Dispute of Inaccurate Late Payment Reporting To Whom It May Concern, I am writing to dispute the reporting of a late payment on my Navy Federal Credit Union account as it appears on my credit report. The reported late payment is inaccurate, unverifiable, and may be in violation of federal law.

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. I have reason to believe this statutory requirement was not met in this case.

Accordingly, I am requesting that Navy Federal Credit Union : Provide documentation verifying that the late payment being reported is accurate and that proper notice was given in compliance with 15 U.S.C. 1666b.

Immediately correct or delete the inaccurate information from any and all consumer reporting agencies if it can not be verified.

Confirm the results of your investigation in writing within the timeframe required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This inaccurate reporting is negatively affecting my creditworthiness, and if it is not resolved, I will consider filing complaints with the Consumer
Financial Protection Bureau ( CFPB ), the National Credit Union Administration ( NCUA ), and any other applicable regulatory agency.

Please send all responses and documentation to the mailing address listed above. I appreciate your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

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 explanation
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: PA

Complaint narrative:
This creditor keeps calling & emailing me at least once a day. Sometimes multiple times a day. The email that I keep getting the messages from is from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Description of the Issue : I initiated a funds transfer through XXXX, a PayPal company, on [ Transaction Date ], expecting a prompt and secure transaction. However, my experience has been extremely frustrating due to the following issues : Unexplained Delay : Despite the promised delivery time, my funds have not reached the intended recipient. This has caused significant financial and emotional stress, as the funds were meant for [ mention the purpose, e.g., emergency expenses, family support, critical payments ]. 


Lack of Transparency : XXXX customer support has failed to provide clear updates or explanations for the delay, despite multiple follow-ups. 


Poor Communication : I have received inconsistent information and vague responses, reflecting a lack of accountability and customer care. 


Transaction Details : Transaction ID : XXXX Transaction Amount : XXXX USD Transaction Date : XX/XX/XXXX, XXXX Destination Country : XXXX Resolution Requested : Immediate processing of the pending transfer. 


Clear explanation for the delay.

Compensation for the financial and emotional hardship caused.

Assurance of corrective actions to prevent future issues. 


I urge you to investigate this matter and hold XXXX accountable for its failure to provide reliable service as promised. 
Thank you for your attention. 

Personal Details : Full Name : XXXX XXXX XXXX Number : XXXX Email Address : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

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 explanation
Consumer complaint received 2025-05-16 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: MD

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 2025-05-16 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: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I spoke with PennyMac representatives twice to verify I could recast my home loan. I send a note through their secure message portal to also confirm I could recast my loan. I was provided all instructions to wire them money and pay the recast fee ( {$250.00} ).

Despite confirming, I received a call shortly after wiring PennyMac a {$650000.00} sum that my loan is not eligible for a recast currently. Since that time, Ive been trying to recoup my {$650000.00}. This is money that was in an interest bearing account so I am losing money every single day that PennyMac has my sum.

Every time Im on the phone I have been provided different information. Ive been told they could wire me the money, then they say they cant once I provide wire instructions. Ive been told theres no timeline for recast eligibility, then Im told theyre checking to see if it might be in the next few days. I am told that my refund now has to be reviewed by higher management and that they can not send me anything in writing to confirm this.

PennyMac continues at every step to be misleading, opaque, and disorganized. All of this signals gross incompetence or worse, willfully and intentionally attempting to delay returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Sunbit, Inc.
State: MA

Complaint narrative:
Apparently a " wrong # scam ''. I received a text, similar to " are you available tomorrow ( Sunday ), I have been meaning to catch up ''. I responded, " I'm available but I don't know who the heck this is ''. She responded, " Oh I have the wrong # ''. Then we began chatting. She was very good, very persuasive. We texted for a few days, she appeared to want to make a romantic contact with me and she described she's a financial whiz, makes money trading on the gold market. Her contact info is ; Name ; XXXX ; What's App # is XXXX ; from XXXX XXXX XXXX 

Shame on me, I transferred {$10000.00} to XXXX XXXX XXXX XXXX seems legitimate but then she manipulated me to exchange for crypto at a site called Sunbit ( www.sueappun.com ). This appears to be a fake crypto exchange site. At first she guided me thru trades and I made a couple grand, to gain her confidence. Then the {$10000.00} went away little by little. She tried getting me to wire another {$50000.00} but I declined. She said she " deposited '' her own {$50000.00} in Sunbit, as a way of " good faith ''. But I ignored her. She's threatening to sue for that {$50000.00}, saying I need to wire her {$50000.00} USD, which I have obviously ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-16 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following medical collection accounts on my credit report. These accounts are inaccurate, incomplete, and violate multiple federal protections including the FCRA, the CFPBs 2023 guidance, and the No Surprises Act.

Medical Collection Accounts in Dispute : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts are listed as unpaid medical collections and are being reported by XXXX, Experian, and XXXX  as of XX/XX/XXXX. 

Legal Grounds for Deletion : Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

These debts lack full verification, including itemization and proof of consumer liability. 

You are obligated to remove any information that can not be verified within 30 days ( 611 ).

CFPB Compliance Bulletin 2023-01 Medical Debt Reporting The CFPB has stated that medical bills are frequently inaccurate, misused in credit reports, and often do not serve a permissible purpose under FCRA 604 ( a ). 

The CFPB further emphasized that using medical debt to coerce payments rather than report legitimate credit risk is deceptive and unlawful. 

No Surprises Act Violation These debts may be related to surprise or out-of-network charges, which are not legally collectible under the No Surprises Act ( 2022 ). As such, their reporting is illegal and must be immediately ceased. 

XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XX/XX/XXXX ) Medical collections under {$500.00} and/or paid accounts must be removed from credit reports by all major bureaus. 

Based on industry standards and recent policy changes, these accounts should no longer appear. 

Action Requested : In accordance with FCRA 611, I formally request that you : Delete both XXXX XXXX accounts from my credit report across all bureaus ( Equifax, Experian, TransUnion ). 

Provide me with an updated copy of my credit report showing the removals. 

Send written confirmation of your findings within the 30-day dispute window. 

Failure to properly investigate or delete unverifiable and legally non-compliant information will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and potential legal counsel under FCRA 616 and 617.

Thank you for your prompt attention to this matter.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

15 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 2025-05-16 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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