vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have been a navy federal credit union customer for XXXX years. I was promised within XXXX months my secured card would be reviewed for an upgraded to an unsecured card. Currently it has still not been upgraded. I pay my balances monthly. In addition, I have been pre approved for all the credit cards but my card has not been upgraded. I applied for credit card that I was pre approved for and I was denied by NFCU. I am concerned that it may be a deeper issue going on. I have reached out on numerous occasions for a loan officer to check my profile because something seems unethical however my request was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
Due to financial difficulties XXXX closed their XXXX program less than a year into my attendance. 20 U.S. Code 1087e ( h ) authorizes loan discharge for students whose schools close before they complete their education. My education was not complete. They closed their XXXX program and I had nothing to do with that and am demanding the loans be disregarded for the year of my attendance. Additionally, 34 C.F.R. 685.214 Covers eligibility and process for XXXX XXXX discharge when a school closes ; 34 C.F.R. 682.402 ( d ) Covers FFEL ( Federal Family Education Loan ) closed school discharge ; 34 C.F.R. 674.33 ( g ) Covers XXXX XXXX closed school discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








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 2025-03-31 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:
Equifax is reporting XXXX accounts that I did not open and that were created as a result of identity theft : XXXX XXXX Opened XX/XX/year> Account ends in XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Account ends in XXXX XXXX XXXX XXXX Opened XX/XX/year> Account ends in XXXX I did not apply for credit with any of these companies, and I have filed an FTC Identity Theft Report to confirm the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: MI

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of inaccurate, and false information consists of a late payment XXXX Account # : XXXX date XX/XX/year>. Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, equifax, and transunion the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS.

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 2025-03-31 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: MI

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of inaccurate, and false information consists of a late payment XXXX Account # : XXXX date XX/XX/year>. Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, equifax, and transunion the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MA

Complaint narrative:
XXXX - XXXX # XXXX Balance : {$0.00} To preserve its integrity, a credit report must be accurate and adhere to standards. You must check that the information supplied satisfies all requirements, such as timeliness and verifiability, as specified by the XXXX XXXX and FCRA frameworks. The only acceptable course of action would be to delete all of the data from my profile if these requirements were not fulfilled. I implore you to act on this issue. 

XXXX - Account # XXXX Balance : {$0.00} It is imperative that you take immediate action to resolve these disparities in light of the laws governing credit reporting. The system as a whole depends on following these procedures, and any lapse or neglect could be interpreted as a disrespect for the norms. Kindly remove the inaccurate information from my credit report right away. 

XXXX - XXXX # XXXX Balance : {$0.00} Maintaining a credit system requires a high priority on accuracy and conformity to industry standards. Any departure from these standards jeopardizes the reliability of all data that is reported. I respectfully ask that you review and remove any incorrect information. The removal of all information from my profile is the only appropriate course of action if you disregard these directives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$0.00} For a credit report to remain accurate and uphold its integrity, standards must be followed. 
Reviewing the provided information to make sure it satisfies all requirements, such as timeliness and verifiability, as specified by the XXXX XXXX and FCRA frameworks is expected of you. The only appropriate course of action would be to delete all of the data from my profile if these requirements were not fulfilled. I implore you to act on this. 

XXXX - Account # XXXX Balance : {$0.00} You must take immediate action to resolve these disparities in light of the laws governing credit reporting. The system as a whole depends on following these procedures, and any lapse or neglect could be interpreted as a disrespect for the norms. Please take immediate action to remove the errors from my credit report. 

XXXX - Account # XXXX Balance : {$0.00} It is essential to give accuracy and conformity to industry standards top priority in order to preserve a credit system. Any departure from these standards jeopardizes the reliability of all data that is reported. Please review and remove any incorrect information, please. The only acceptable course of action is to remove all information from my profile if you don't follow these guidelines.

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 2025-03-31 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I logged in a few days before my payment was due at XXXX. I have a XXXX circle card. The prompt from XXXX said that I could not log into my account for several days as they were making changes to their site. I did pay my account after these changes were made but now they say I owe a {$30.00} late fee. The system error was on their end. They chose to make changes that took them off line, making it impossible to pay my account by the deadline. This did this without appropriately warning me. I should not have to pay the late fee. I always pay my account on time and in full. I am a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been in good standing with my credit card company for many many years. A very small charge, {$25.00} was placed on the card without my knowledge. I was unaware that the account had a balance. Before they even mailed the statement from the second month, they reported my account to the credit bureaus as delinquent. I contacted the company and told them that I never received a past due account balance or anything like that. They said they had sent me a statement the previous month. I explained that that statement was for {$25.00} but that I did not receive it due to thinking the card was empty. Before my second statement even arrived in the mail with the past due balance. They reported to my Credit bureaus. No notice of past due account was given to me before reporting to credit agencies when I asked for help they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my XXXX XXXX account, which was transferred to collections under the name of XXXX XXXX. This complaint involves multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically concerning the failure to report the collection account accurately, along with discrepancies on my credit reports. XXXX XXXX and the collection agency XXXX XXXX have failed to report the collection account accurately on my credit report. XXXX XXXX, which holds the collection account, does not appear at all on my credit report. This failure violates the FCRA, which mandates that accurate information must be reported to consumer reporting agencies. Discrepancies and Inaccuracies on Credit Report : No Payment History Reported to XXXX and XXXX : There is no payment history reported to XXXX and XXXX for this collection account, which is a violation of the reporting standards under the FCRA. Inaccuracies in Original and Current Balance : The original balance and current balance listed on my credit report for this account do not match. This discrepancy violates the FCRA requirement to report information accurately. Listed as Both Open and Closed Account : The account is being reported as both open and closed in different sections of my credit report. This conflicting information violates the accuracy standards set forth under the FCRA. Violation of FDCPA & FCRA : FDCPA Violation : Under the FDCPA, debt collectors are required to report accurate information to the credit bureaus. The failure of XXXX and XXXX XXXX to report this collection account correctly may be considered a violation of the FDCPA. FCRA Violation : Under the FCRA, all information reported to consumer reporting agencies must be accurate. XXXX and XXXX XXXX are in violation of these standards by failing to properly report the collection account, and by reporting inaccurate information such as the open/closed status, incorrect balances, and lack of payment history. I have previously sent XXXX letters requesting debt validation to XXXX at the addresses " XXXX XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX which I never received a response from, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/XXXX which was returned to me. This failure to respond also violates provisions under the FDCPA, which mandates that debt collectors provide verification 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 explanation