vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
Dear Equifax, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 
XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) 15 U.S.C. 1681b ( a ) ( 3 ) A credit bureau can not list an inquiry unless there is a permissible purpose ( e.g., application for credit ). 
XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX XXXX XXXX 06/15/2024 - I did not authorize this inquiry? - Delete this inquiry due to Violation of XXXX XXXX XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b Incorrect Name - XXXX XXXX XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect DOB - XX/XX/XXXX - Delete personal data due to violation of XXXX XXXX XXXX ( b ) Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX - Delete personal data due to violation of XXXX XXXX XXXX ( b ) Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX - Delete personal data due to violation of XXXX XXXX XXXX ( b ) Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX - Delete personal data due to violation of XXXX XXXX XXXX ( b ) EMPLOYER - XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) * Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
I have tried to resolve this issue with the company above that I have not sign any contract with are submitting collection on my credit report. After so many attempt they continuously damaging my credit report by submitting false claims even after I ask for the original contract it was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 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 2025-03-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: NC

Complaint narrative:
In XX/XX/XXXX, Checkr issued a background check on me for XXXX, and the report came back CLEAR, showing no disqualifying records. However, in XX/XX/XXXX, XXXX generated a new report for XXXX that suddenly included a misdemeanor conviction from XX/XX/XXXX ( No Operators License G.S. XXXX ( A ) ) that was fully resolved and paid in XX/XX/XXXX. 

My identifying information ( name, date of birth, drivers license number, Social Security number ) has not changed between these two reports. Therefore, the reappearance of this old conviction raises serious concerns about inconsistent and inaccurate reporting. 

This situation appears to violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c which limits the inclusion of outdated or irrelevant information that no longer reflects the consumers current status.

There has been no change in the public record since the original report. Therefore, bringing up this old charge after previously omitting it suggests that Checkr failed to maintain accurate and consistent records.

As a direct result of this reporting inconsistency, my ability to work for XXXX was restricted, which has significantly impacted my income and family stability. I am a XXXX XXXX XXXX and the sole provider for my household. This unjust report is affecting my livelihood. 

I have since filed for expungement of the charge in XXXX XXXX, NC, and I maintain an active, valid North Carolina drivers license with no suspensions or violations. 

I respectfully request that the CFPB investigate this inconsistency and ensure that Checkr is held accountable for reporting procedures that may be unfairly and unlawfully impacting workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My Statue of Limitations on the Debt has Expired at XXXX years.and they call me and My Brother 's phone Violating of the Fair Debt Collection Practices Act of The USA, And Violated the Michigan State Statue of Limitations of Five years.

Still calling on a Debt that has expired Legally.

And is still listed on my 3 Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of my student loan ( s ) due to multiple violations of the Family Educational Rights and Privacy Act ( FERPA ) that have directly impacted my rights and financial obligations. Upon a thorough review of my loan records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loan ( s ) invalid.

Violation of FERPA and My Rights as a Borrower According to 20 U.S. Code 1232g and 34 CFR Part 99, educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include, but are not limited to : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) o My student loan data, including my Social Security number, enrollment status, and financial details, have been accessed and shared without my explicit consent, violating my FERPA rights.

o The Department of Education and its contracted loan servicers were required to obtain my written authorization before sharing my data with third-party collectors or agencies.

2. Failure to Provide Full Access to My Educational Records Upon Request o Under FERPA, I have the right to review and correct errors in my student records. However, repeated requests for original loan documentation, including signed promissory notes and disbursement records, have gone unanswered. 
o The inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation. 
3. Unlawful Misrepresentation and Processing Errors o Misrepresentation of my loan status, interest rates, and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law.

o The Department of Education and loan servicers must comply with due process when managing loan disbursements, servicing, and collections. Failure to do so constitutes a material breach.

Formal Demand for Loan Discharge and Record Removal Due to these clear FERPA violations and non-compliance with federal regulations, I am demanding the immediate removal and discharge of my student loan
( s ) from all records, including : The National Student Loan Data System ( NSLDS ) All credit reporting agencies ( Equifax, Experian, TransUnion ) Any affiliated loan servicers, collection agencies, or third-party entities Legal Grounds for Discharge As per 34 CFR 668.7175, misrepresentation and non-compliance with federal student aid regulations warrant loan cancellation. Furthermore, under FERPA ( 34 CFR Part 99 ), the mishandling of educational records can result in federal enforcement actions, including the loss of funding for institutions and agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Saturday XX/XX/XXXX around XXXX I deposited {$5000.00} into a capital one ATM machine at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX. It took the money and spat my debit card out and didnt deposit the money into my account and you couldnt deposit any more money in the ATM. Ive contacted customer services and the claims department multiple times and even when to the bank again on that Monday morning. No one will tell me why they cant escalate the issue. I know someone has counted the in the ATM because when I went on Monday the ATM was working again and excepting deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I reached out to Ally on XX/XX/XXXX and XX/XX/XXXX to find out why my account was reported to the credit bureaus for XX/XX/XXXX for being 30 days past due. I have proof of payments for XXXX, XXXX, and XXXX. The account is with their department that specializes in accounts that are in either debt settlement or credit counseling. My account is with a credit counseling company. On the first call, I spoke with a lady who told me that the account would re-age after the third on-time payment. I tried to make her understand that the 30 days late was an error on their part and that I was never 30 days late. She placed me on hold until the call hung up when they got off work. I am not accepting this as an answer! I was told this in XXXX when I called and asked for assistance and was forced to go late so that they would help me. How is it that you have to hurt someone to help them? Guess what?! Those lates are STILL on my report and are THE ONLY lates I have had in years. This is sickening and very predatory. Today, I spoke to a young man. He told me the exact same thing, but also asked if I was told that I need to write in. No one has given me any guidance to do anything. It's like they are robots. This is an error on ALLY 's side. I should not have to suffer because they made an error, causing my XXXX Scores to plummet. I have things going on in my life right now where my scores are, and my payment history is being monitored! On both calls, I was put on hold and left there until the call hung up because it was time for their representatives to get off of work. This is so unprofessional. Neither one offered to route me to a supervisor or anything. All I am asking is for them to right their wrongs ASAP! I chose to do right by them by going the credit counseling route to ensure they get everything due to them. However, I can't get the decency or respect from them to handle my situation with some kind of morale and respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I applied for an online bank account with CIT Bank which is an alias for First Citizens Bank in XXXX on XXXX XXXX XXXX and they gave me the runaround for almost a week. I had to call multiple times and was hung up on or transferred around and then finally, was told that my application was denied. No reason was given and the bank is clearly discriminating against me due to my marital status and XXXX XXXX since they made that the focal point of all the questioning on the phone in my multiple phone calls with the. This bank is systematically discriminating against consumers such as myself and the reason why they gave me the runaround is because they couldn't be honest about the real reason why they're blocking me from opening an account. I have never been declined for a bank account before. My credit score is very high in the high XXXX and there is no issue with any credit reports or XXXX reports I have been provided by third party reporting agencies and this further points to the fact that I'm qualified and the bank is discriminating against me not due to qualifications but specifically as a result of my marital status and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax, TransUnion and Experian, has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate or corrective action to remove or amend the disputed accounts. As Experian, TransUnion and Equifax violates federal law and my rights as a consumer.

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 2025-03-21 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax, TransUnion and Experian, has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate or corrective action to remove or amend the disputed accounts. As Experian, TransUnion and Equifax violates federal law and my rights as a consumer.

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