vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and Portfolio Recovery Associates , LLC claim {$440.00} ( Ref # XXXX, Capital XXXX # XXXX ) not mine as XXXX XXXX XXXX XXXX Beneficiary XXXX I requested validation from Portfoliothey refused, admitting debt may not be owed and sold it. I sent XXXX a Cease & Desist XX/XX/XXXX, XXXX ignored it, emailing XXXX XXXX, 2025, violating 15 U.S.C. 1692c ( c ) ( $ 1,000+ ), 1692d, 1692e, 1692f. No XXXX  ( 18 U.S.C. 8 ) I redeem ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting me ( 31 U.S.C. 5118 ). Banks lent credit, not money ( XXXX, 135 Ga. 614 ). As a Californian, CCPA ( 1798.145 ) bans unverified collectionthey wont stop. Cease & Desist, delete, pay damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
I am filing this complaint against MOHELA for reporting inaccurate, outdated, and unverifiable student loan information that continues to damage my credit report. 

I have disputed this account through the credit bureaus and MOHELA has failed to provide proper documentation or verification of the information being reported. Despite being a federally backed servicer, MOHELA continues to report negative information that is either incorrect or outside the scope of valid federal reporting guidelines. 

I am not requesting an update or correction I am demanding complete deletion of the MOHELA tradeline ( s ) from all three credit bureaus, as MOHELA has failed to validate the accuracy of the reporting in compliance with the Fair Credit Reporting Act ( FCRA ). Continued failure to verify while negatively impacting my credit is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-03 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/year>, I notified Transunion that they were reporting inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX beginning with XXXX. I also asked Transunion to send me the documentation used to verify the account if it was deemed accurate. A week later, the information was investigated and found accurate ; however, I have not received any documentation.

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 2025-04-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX XXXXXXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report?

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX XXXXXXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report?

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

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 2025-04-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report are transaction ( s ) that I did not make. It is a result of identity theft.

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 2025-04-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report are transaction ( s ) that I did not make. It is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
I have been a victim of identity theft, my information is being used to obtain credit goods. Police report FTC report and investigation has been reported and establish, but the credit bureaus fail to authenticate investigate and remove. They constantly ignore my request. Every information that they have asked me to provide. I have provided but failed to provide me with the information that Im requesting these companies are Experian, Equifax, and Trans Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 have been a victim of identity theft, my information is being used to obtain credit goods. Police report FTC report and investigation has been reported and establish, but the credit bureaus fail to authenticate investigate and remove. They constantly ignore my request. Every information that they have asked me to provide. I have provided but failed to provide me with the information that Im requesting these companies are Experian, Equifax, and Trans Union.

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 2025-04-03 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: HI

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 2025-04-03 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: HI

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 2025-04-03 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX  ( XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6600.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$1500.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3400.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$7600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. 

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible.

No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt.

Requested Action : Immediate deletion of these accounts from my credit report.

Written confirmation of the removal.

Notification to all credit bureaus if these accounts were furnished to them.

If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX charged {$730.00} to my debit card for an empty package. I purchased insurance from the merchant at checkout if the. The insurance said it covered if the package was stolen, missing or damaged. The merchant ignored refund requests. Chase denied my dispute despite providing evidence ( order confirmation, photos of the empty package, tracking details ). After my credit from chase was reversed, I made an executive complaint and they still denied me help to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
I am disputing a XXXXXXXX XXXX XXXX  account ( # XXXX ) that was set up through XXXX XXXX XXXX in XX/XX/XXXX. During installation, XXXX representatives assured me that no permanent property damage would occur. However, the technicians drilled into brick walls, causing permanent damage to my rental property. 

Due to this misrepresentation, I requested cancellation. XXXX acknowledged the issue and offered free months of service, but refused full cancellation. The equipment was removed on XX/XX/XXXX, and I no longer possess it. XXXX  continues to bill me for this equipment, despite it being removed and resellable by XXXX. I should not be held responsible for the remaining balance on equipment I do not own, do not use, and never would have agreed to had I been told the truth about installation damage. 

XXXX  refuses to cancel the balance unless XXXX provides written direction, and XXXX refuses to provide that direction. I am stuck between both companies despite being misled and now financially burdened. 

I am requesting full cancellation of the balance and confirmation that my XXXX  account is closed with no negative reporting. I also request XXXX/XXXX  to arrange equipment pickup if necessary at no cost to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, including outdated addresses. To assist in updating my records, I have attached the required documents. Please take immediate action to correct my personal details and remove any inaccurate addresses from 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 2025-04-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Requested original form of debt and did not recieve information regarding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
" 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal has been notifying me that my password was part of a data breach, and I continue to receive these alerts even after changing my password. Im wondering what this means and whether there could be a class action lawsuit, as there have been multiple data breaches. I believe this information could be insightful and helpful for Navy Federal customers and your law firm. I have screenshots and would like to share them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to formally address inaccuracies in my credit report as provided by Equifax. Specifically, it reflects **three identical XXXX XXXX accounts**, all showing the same information. The attached documents clearly highlight these repeated entries. 

Details of the accounts : - **Payment Status : ** Pays account as agreed - **Worst Delinquency : ** 30 days past due - **Balance : ** {$0.00} - **Last Updated : ** XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
We paid off our vehicle a few weeks ago, not realizing we would be locked out of the app. We are seeking the amount paid in interest for our taxes. We have called 4 times within the past week. All 4 times, we promised an email with the information we are seeking to be sent within 24 hours. The 24 hours has since expired for the 4th call. This is beyond inconvient, as we need this number to file taxes that are due to he filed in 12 days. We just need a number. No one on the phone seems to understand or care about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
fraudulent inquiries were made on my current equifax report XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation