vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Collection agency name : NAVY FEDERAL CR UNION Address : Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

XXXX XXXX

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 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi I bought something on XXXX on XX/XX/year>. Payment USD {$490.00} through Paypal. Tracking tells that the seller sent package to someone's XXXX XXXX XXXX My address is NOT a XXXX XXXX XXXX so I do not receive it. Paypal do not apply refund. Transaction number : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been working to correct inaccuracies on my credit report with Experian and have sent multiple dispute letters to them. Despite my efforts, Experian has failed to comply with its legal obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

Specifically : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not ensured the accuracy of the information in my credit report, as required by 15 USC 1681e ( b ).

Experian has not properly investigated my disputes or removed the inaccurate information, as required by 15 USC 1681i ( 5 ).

Experian appears to have reinserted inaccurate information into my report without proper notification, violating 15 USC 1681c ( c ).

I have attached copies of my dispute letters and supporting evidence for your review. 

Additionally, I recently learned about the CFPB lawsuit against Experian for failing to conduct proper investigations and for its mishandling of credit report disputes. I believe my experience aligns with the systemic issues identified in this lawsuit, as Experian has failed to address my disputes in good faith, thereby harming my creditworthiness and access to financial opportunities.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

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 2025-01-12 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:
Fraudulent Account stopping me from getting a house with my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year> I filed multiple disputes with experian that I had no knowledge of totaling {$7200.00}. Experian however did not properly investigate the disputes and I did not receive any information showing where these accounts were in fact my accounts. I ask the cfpb to hold experian responsible for and ask that the accounts be removed from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting *validation ' ; that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Fallure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2025-01-12 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: CA

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under ( 15 USC ) ,1681.XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice of things are incomplete and not accurate and according to the fair credit reporting act when your consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates ( 15USC ) 1681i5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ) in general after any rein investigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( 1 ) properly delete the item of the information from the file of the re-investigation, and promptly notify the furniture of that information that has been modified or deleted from the file of the consumer and according ( 15USC ) 1681s-2 they are supposed to furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cars to believe that information is an accurate

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 2025-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: UT

Complaint narrative:
I was trying to get into a tent to own home but credit score was an issue so I got hooked up with Lexington law who promised they could fix my credit to get me into a home but I had to pay so much up front before they world help me then they charged me monthly fee to continue supposedly fixing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AR

Complaint narrative:
Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account number : XXXX Account name : USD DEPT ED Account Number XXXX XXXX Account name : USDEPT ED Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries XXXX XXXX 

XXXX XXXX XXXX XXXX in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
My Identity was included in the XXXX XXXX XXXX. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract. 
XXXX. An itemized statement of the account showing all charges and payments. 
XXXX. Proof of your authority to collect this debt. 

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA. 

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NJ

Complaint narrative:
XXXX along with other collection agencies ( XXXX, Transunion, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. XXXX does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, XXXX conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.

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 2025-01-12 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: NJ

Complaint narrative:
XXXX along with other collection agencies ( Equifax, XXXX, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. XXXX does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, XXXX conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This letter is an complaint of inaccurate information according to the fair credit report act section 609 A 1A i am required by federal law to verify through physical verification of the original sign contract any and all accounts that I pulled on the credit report I demand to see verified proof if been a validate remove from my account immediately please remove

Company response to consumer: Closed with explanation