vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX/DEPT OF ED # XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/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 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 # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
cease and desist According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by y
ou or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of

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 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-22 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This company is a 3rd party debt collector for XXXX. I asked Radius Global for proof that I owed them or even XXXX. Instead of granting my request, they hung up in my face. When I called back the person told me that I owed them a bill and they wanted to know when I was going to pay. I told them I do not owe anyone any bill, not even to XXXX  and not to call my number again, because they kept calling back to back from different phone numbers in my area code. They then put it on my credit report and I just discovered that they had access to my credit report after finding out my information was found on a data breach. I have only been living in XXXX  since XXXX of 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Over the previous year, I have received numerous over draft fees that I know are unfair. When my bank account gets low, the balance won't always show accurately and payments will continue to be processed whether there is money in my account or not. I have never had this issue, until banking with navy federal. Any other time a payment is declined, but with Navy Federal, I continue to have payments go though and continue to have over draft fees. I think it's very unfair and for so long I though it was just a " me '' problem, until i realized many others were having this same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$340.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX - XX/XX/year> These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX, XXXX and XXXX encouraged me to submit an offer for 80 % of credit card debt after I stated the debt was due to identity theft. I never received validation of the debt before being taken to court. My statement was never acknowledged. I sent XXXX, XXXX and XXXX documentation that I was working with a debt-settlement firm to dispute the debt with no acknowledgement prior to court. None of this information was ever acknowledged. After the I paid timely payments for sixteen months, XXXX, XXXX and XXXX notified me over email that a payment 30 days prior was returned. I explained that my bank account was switched and attempted to pay but was told ( on a federal holiday ) to mail certified funds. I then asked for my total balance and offered to pay the remaining balance due and did not get a response until sixteen days later when told account was in default and the original offer was now void after I have continually tried to contact the firm. The law firm claims to have sent a letter, my statement of not receiving it was not acknowledged. I have, again, stated that this debt from 2020 was not mine with no acknowledgement. Communication has been negligent, coercive, and borderline discriminating. I believe that this firm has and continues to demonstrate gender discrimination by taking advantage of my gender and assumption that I would not know my rights and accept settlement. This law firm has 7,424,177 complaints and continues to commit fraud and theft to benefit high interest credit companies.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank is refusing to allow me to dispute a tranaction of a item that was counterfeit. I purchased a item on XXXX and the item is counterfeit which is legal in the US. I need chase to refund my money and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Investigation into an issue has taken more than 90 days! Dispute number XXXX investigation started in XXXX of XXXX, to investigate an improper account on my report. XXXX  XXXX XXXX should not be reported on my consumer report as it was found to have fraudulent information. I had already filed a police report and a claim with my local police department as well as the CFPB and the FTC. The account was removed! But Transunion continues to repost this account. When starting a new investigation they have refused to address this matter. See Dispute number XXXX Filed in XXXX XXXX XXXX. By consumer law this account needs to be removed immediately ( 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 explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
Account Number : XXXX ) listed as a collection with a past due balance of {$870.00} as of XX/XX/year>. 
Dear XXXX XXXX, I, XXXX XXXX, the Original Creditor and a Natural Man, hereby rescind my consent to be liable to perform on the contract agreement entered with XXXX XXXX on. This notice is made in full accordance with the provisions of 15 U.S. Code 1635 ( b ) regarding my right to rescind the contract. 

Upon reviewing the terms and conditions of the contract, I found that I was not given full disclosure of my right to rescind, and there was a lack of transparency regarding the nature of the consumer credit application as stipulated by 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This leads me to believe that XXXX XXXX knowingly and willingly took advantage of my consumer credit. 

Please be advised that I am not canceling or terminating the contract. However, I am deducting my liability to pay on behalf of the obligor as I have discovered several violations and acts of fraud. Therefore, under 15 U.S. Code 1635 ( b ), I am not liable for any finance charge, and any security interest related to this contract becomes void 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 non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
Account Number : XXXX ) listed as a collection with a past due balance of {$870.00} as of XX/XX/year>. 
Dear XXXX XXXX, I, XXXX XXXX, the Original Creditor and a Natural Man, hereby rescind my consent to be liable to perform on the contract agreement entered with XXXX XXXX on. This notice is made in full accordance with the provisions of 15 U.S. Code 1635 ( b ) regarding my right to rescind the contract. 

Upon reviewing the terms and conditions of the contract, I found that I was not given full disclosure of my right to rescind, and there was a lack of transparency regarding the nature of the consumer credit application as stipulated by 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This leads me to believe that XXXX XXXX knowingly and willingly took advantage of my consumer credit. 

Please be advised that I am not canceling or terminating the contract. However, I am deducting my liability to pay on behalf of the obligor as I have discovered several violations and acts of fraud. Therefore, under 15 U.S. Code 1635 ( b ), I am not liable for any finance charge, and any security interest related to this contract becomes void 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This arbitration arises due to Experian 's continued inaccurate reporting of a closed account on my credit report. Despite multiple attempts to resolve this issue directly with Experian through dispute channels, the inaccurate reporting persists, causing harm to my credit profile and financial standing. 

The specific account in question is as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Account Status : Incorrectly reported as CLOSED when Ive never opened the account, information has been exposed through dark web. 
The account was closed on XX/XX/year>, and its correct status should reflect ( SHOULD NOT BE REPORTING ON CREDIT FILE ) I provided all relevant supporting documentation to Experian during the dispute process, but the issue remains unresolved.

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 2025-01-22 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds w

ithin 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX which alleged I owed a debt to XXXX XXXX with the account originating from XXXX XXXX XXXX  and XXXX. On that same day I responded by email requesting verification of the alleged debt. XXXX XXXX XXXX XXXX did not reply or provide verification of the alleged debt. On XX/XX/XXXX, I recieved an email from Tate & Kirlin Associates which claimed to have been hired to help resolve the alleged XXXX XXXX XXXX and XXXX balance that was purchased by XXXX XXXX. On that same day, I responded to the email as instructed requesting verification of the alleged debt. My reply email was returned twice after which I called the phone number provided in the email from Tate & Kirlin Associates. The employee who answered my call then provided the contact person 's email of who is tasked with my alleged account. I emailed this person requesting verification of the alleged debt that same day ( XX/XX/XXXX ). As of the date of this complaint ( XX/XX/XXXX ) I have not received any of the requested information from that person or Tate & Kirlin Associates. However, I have received XXXX ( XXXX ) emails from Tate & Kirlin Associates in that time requesting payment ( XX/XX/XXXX and XXXX, XXXX ). I replied to the second email I received XX/XX/XXXX, asking them to cease communication until the alleged debt is verified as well as attaching a copy of the original debt verification I sent XX/XX/XXXX. After my second request of alleged debt verication, I received a third email from Tate & Kirlin Associates on XX/XX/XXXX. I have reason to believe this alleged debt is not mine, nor valid.

Company response to consumer: Closed with explanation