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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: EQUIFAX, INC.
State: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed fraudulent activity

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I checked my credit report recently, I noticed that there were some errors that I dont think should be there. Its really been stressing me out because Im trying to get things in order, but these mistakes are only making things harder. According to the law, the credit bureau is supposed to validate any accounts that dont seem right, but these accounts havent been properly verified, and its affecting my credit. Im asking for your help in correcting these errors. The law says that the credit bureau needs to fix these things quickly, and I really need this done as soon as possible. If youre not able to validate these accounts with proof, then they should be removed or corrected immediately, so I dont keep running into issues with my credit. 
XXXX XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * * * Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: OH

Complaint narrative:
I see that you are reporting this collection on my report, but i didnt get a notice to collect or debt validation statement. I need the following information, proof of ownership chain of title, and full account records. You have not provided this and since you cant prove it you SHALL remove this from my credit report. You SHALL prove ownership or stop. A statement is not proof. I request Varification of the accuracy. What was the method that you use?

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: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. My privacy was exposed too XXXX XXXX  and unauthorized individual and his employees which is a clear case of a data breach of my private sensitive information and violation. I request full cancellation of my student loan debt showing a balance of {$0.00} and payment history complete 100 %. These accounts shall be immediately cancelled showing an update. Under the Gramm Leach Bliley Act you have a right to opt out of getting your conpublic personal information with non affiliated party And in this situation my rights were violated under the FERPA ACT. They violated your rights bu not providing you with your opt out disclosure. Because as a consumer I have a right to Privacy and also have the right to opt out of getting my nonpublic personal information shared to NON Affilaled Third party persons or companies. 1. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances. 2. Access to Records - Students ( over XXXX ) and parents ( for minors ) have the right to review and request corrections to their education records. 3. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing ). The violations include : Unauthorized access or sharing of student records. Failure to provide students access to their own records. Data breaches involving protected student information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. I deposited my IRS check from my taxes and Discover bank did not release any funds. I sent them an email to the XXXX department and called asking them to please release some funds on the next business day after I deposited the check because I had bills pending. Since they did not release any funds my XXXX XXXX  XXXX credit card closed from missed payment and I had that credit card for XXXX  years it was my first credit card. I also have late fees and insufficient funds fees for all the bills that were pending. I ask Discover could they please just pay the pending bills they didnt have to release any funds to me. I have went over there policy and procedures since then and they should have released funds to me the next business day. I have had the account for XXXX years I believe. Im so sad because XXXX XXXX XXXXXXXX closed my account for missed payment because of insufficient funds. Im still trying to make sense of it because I have not ever been XXXX  days late on anything I have all on time payments since I was XXXX and XXXX XXXX about to be XXXX. I didnt deserve this and I need Discover to please contact XXXX XXXX  XXXX and let them know they held my funds and didnt release any funds {$0.00} but I did have money in my account to cover the bill of {$190.00} of XXXX XXXX XXXXXXXX so they can open back up my credit card I had for like XXXX years. The closing of the account I had for that long is definitely going to affect my credit. I cant stop crying. Thank you for your time. Have a wonderful day!

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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b'I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 (a) (1) (A) and 611 (a) (1) require the 3 credit bureaus to validate these accounts (A). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b'I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 (a) (1) (A) and 611 (a) (1) require the 3 credit bureaus to validate these accounts (A). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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: TX

Complaint narrative:
RECENTLY I LOOKED AT COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE OCCURACY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally respond to an improper reinvestigation of a hard inquiry on my Equifax credit report that I believe was * * unauthorized * * under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I previously submitted a dispute regarding this inquiry and received a response stating that inquiries are a factual record of file access and will remain on the file for two years. However, this response does not address the * * validity and legal permissibility * * of the inquiry under the FCRA. 

The FCRA strictly limits who may access a consumers credit report and under what circumstances. I am requesting proof that this inquiry was made * * with my written authorization * * or a * * permissible purpose * * as defined by the FCRA. If you are unable to provide documentation that the inquiry was legally authorized ( e.g., a signed credit application or authorization ), then the inquiry must be removed under FCRA 611. 

Here are the details of the disputed inquiry : - Company : XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> I have attached the response letter and proper verification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to highlight several violations of consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you provide full validation as required under 12 CFR 1006.34 ( b ) ( 5 ). This includes the original creditors name, the account number, the total amount allegedly owed, and a detailed breakdown of all charges, fees, and interest. Additionally, I request a copy of the purchase agreement between the collection agency and the original creditor to verify the legitimacy of your claim. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these issues.

Furthermore, I am revoking your authorization to contact me via email, phone, or text message. All communication must be in writing going forward. Your failure to provide me with a reasonable opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), constitutes a violation of my rights. Moreover, your collection methods have been deceptive and lack the legally required disclosures. It is also unlawful for [ creditor_name ] to furnish information to consumer reporting agencies without providing the appropriate disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this complaint against Wells Fargo Bank for multiple violations of federal consumer protection laws related to a credit card debt that was allegedly canceled. 

In XX/XX/year>2024, Wells Fargo issued a 1099-C to the Internal Revenue Service ( IRS ) and Credit Bureaus stating that it had canceled/ Changed Off a credit card debt of {$3000.00}.

Under IRS regulations ( 26 U.S. Code 6050P ), the filing of a 1099-C indicates that the debt has been discharged and is no longer legally owed.

However, Wells Fargo has continued to : Report the same debt as actively delinquent and owed to all three major credit bureaus ( Experian, Equifax, and TransUnion ), thereby damaging my credit score.

Attempt to collect on this debt despite the charge off has remained directly through email, over the phone and internally by the banks consumer App. These actions are not only deceptive but are in clear violation of Federal consumer protection laws as follows : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e : Wells Fargo or any third-party collector acting on its behalf is making false representations by attempting to collect a debt that has been declared canceled.

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to furnish information that a canceled debt is still active is inaccurate and misleading.

26 U.S. Code 6050P : This federal tax code mandates proper and truthful reporting of canceled debts to the IRS.

I am requesting the CFPB to take action to : Investigate Wells Fargos unlawful and deceptive conduct.

Compel Wells Fargo to cease all collection efforts, remove the debt from all credit reports, and issue corrected information to the IRS and credit bureaus.

Impose any applicable penalties or enforcement action to prevent future harm to consumers.

I can provide supporting documentation, including the 1099-C ( if needed ), credit reports, and any collection communications, upon request

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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX XXXX BALANCED {$6400.00} XXXX  XXXX BALANCED {$3400.00} XXXX XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  XXXX BALANCED {$3000.00} XXXX  XXXX XXXX BALANCED {$6800.00} XXXX XXXX  XXXX BALANCED {$5600.00} XXXX XXXX BALANCED {$4200.00}. 
XXXX  XXXX * * * * BALANCED {$1500.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$130.00} XXXX XXXX XXXX XXXX BALANCED {$390.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have emailed XXXX XXXX for a few months now and the only thing that the property manager sent over was what I need to pay. I ask her to send over proof that all the things she said that needed to be replace in the apartment. I have yet to receive any information. I just emailed her again on XX/XX/year> and still no response. I have ask XXXX XXXXXXXX to also do the same. I just called the office and requested proof of the things that XXXX XXXX is asking me to pay for. I still yet to receive any information. I am asking for this to also be removed from my credit report and that they take the steps to get it off my credit. They have sent over a XXXX XXXX off the bill, but I feel they should show me proof. Receipts!

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: EQUIFAX, INC.
State: MO

Complaint narrative:
Greetings, I am sending this follow-up regarding the fraudulent items on my file that I would like to have removed from my credit report. I appreciate that many negative items have been removed, and I am grateful for that. However, there are still more fraudulent items remaining on my Experian, Equifax, and TransUnion credit reports. I kindly request that all remaining fraudulent items be removed from my file, as required by law. Please see the list of fraudulent items below that I would like to be removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * * * * Balance : {$500.00} XXXX XXXX XXXX XXXX * * Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * Balance : {$12000.00}

Company response to consumer: Closed with explanation