vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent XXXX letters requesting more information about this matter and dont resived non

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
What happened was someone claiming to be an XXXX account XXXX called me to make a payment towards my bill so I gave that person my information and bank debit card number over the phone to pay my balance off and I did but the XXXX never installed the amount towards my bill and my services at home got shut off because it never went through.. they took the money out my bank account but never went towards my bill.. so I immediately called my bank to dispute the amount and notify them about the scam on XX/XX/XXXX XXXX my bank denied my dispute 3 times and a XXXX dispute is under investigation until XX/XX/year> so there taking way to long for my liking. A dispute shouldn't take more then a few weeks and it's already been 2 months waiting for my funds to be back into my account. I've talked to several people and supervisors and I haven't had any help what so ever and my patience and time is running very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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
Consumer complaint received 2025-04-09 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding the Discover Bank account ( Acct # : XXXX ) on my credit reports. 

Issues include : - Charge-off status with an active balance - Discrepant " Date of Last Activity '' across bureaus - Continuous charge-off notations beyond standard credit reporting guidelines I previously disputed this account. However, the lack of resolution, continued inaccuracies, and missing documentation indicate that no proper reinvestigation was conducted. 

I am invoking my rights under : - FCRA 611 ( a ) - FCRA 607 ( b ) - FCRA 623 ( a ) ( 1 ) I request the credit bureaus and Discover Bank provide a detailed explanation of the reinvestigation process and remove the account if no accurate validation can be confirmed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am filing a complaint regarding the unauthorized sharing of my credit report information, which I did not consent to. Additionally, my identity has been stolen, and I have already reported this matter to the IRS. The unauthorized access and sharing of my credit details have caused significant concern, and I am worried about potential fraudulent activity. I am requesting that the Consumer Financial Protection Bureau investigate this issue, remove any inaccurate or unauthorized information from my credit report, and ensure my credit is protected from further misuse. I also ask for guidance on securing my credit and preventing future identity theft incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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 2025-04-09 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: TX

Complaint narrative:
FCRA violations : accounts that are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$13000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$280.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX 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 2025-04-09 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:
FCRA violations : accounts that are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$13000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$280.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX 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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I received notice that my XXXX score dropped from XXXX to XXXX. I checked my credit report and it listed Nelnet. I have never heard of Nelnet before. I looked online and found out it is the new loan servicer. I tried to create an account, but all the information I used to log in claimed that it was incorrect information, and I used every possible email address and phone number I have had in the past. None were accepted. 

After being unable to log in, I tried to call Nelnet. The hold times were multiple hours and I was unable to complete a contact. They also display a mailing address to make payments, but without logging in I am unsure what payments need to be made. I have no financial difficulties in paying back the loans, but I have been simply unable to functionally send the payments or log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each i
nquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> TransUnion/Equifax/Experian Subject : Request to Update and Remove Incorrect Personal Information Dear TransUnion/Equifax/Experian I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please remove all other addresses ) Phone Number : ( XXXX ) XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the following documents for verification purposes : A copy of my valid Passport A recent utility bill and/or lease agreement verifying my current address In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

Sincerely, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute and request the removal of several accounts listed on my consumer credit report that I believe are in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 

The following accounts have infringed upon my rights to privacy, confidentiality, and accurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations include, but are not limited to : 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. These accounts were furnished without my express consent, which is a breach of my right to confidentiality.

15 U.S.C. 1681b ( a ) ( 2 ) No consumer reporting agency may furnish my report without my written instructions. I did not provide authorization for these accounts to be reported.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may report adverse information that is over 7 years old, unless it is a criminal conviction. If any of the accounts fall under this category, they must be removed immediately.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Information furnished must be accurate. If the furnishers of these accounts knew or had reason to believe the information was inaccurate, this is a direct violation of the law. 

Truth in Lending Act ( TILA ) 15 U.S.C. 1666b This section protects consumers from being penalized with late fees unless payments are received after a reasonable due date and grace period. Any late payment reporting that violates this section must be removed. 

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 Charge-offs involving disclosure of nonpublic personal information without my consent violate my financial privacy rights under this provision and must be addressed immediately. 

Fair Debt Collection Practices Act ( FD

CPA ) 15 U.S.C. 1692c ( c ) Debt collectors must cease communication and collection activity upon written request. Continued reporting of collections after such notice is a violation and must be corrected. I request that the CFPB investigate these accounts for FCRA compliance and
facilitate their immediate removal from my consumer report. Please notify me in writing of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute and request the removal of several accounts listed on my consumer credit report that I believe are in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 

The following accounts have infringed upon my rights to privacy, confidentiality, and accurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations include, but are not limited to : 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. These accounts were furnished without my express consent, which is a breach of my right to confidentiality.

15 U.S.C. 1681b ( a ) ( 2 ) No consumer reporting agency may furnish my report without my written instructions. I did not provide authorization for these accounts to be reported.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may report adverse information that is over 7 years old, unless it is a criminal conviction. If any of the accounts fall under this category, they must be removed immediately.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Information furnished must be accurate. If the furnishers of these accounts knew or had reason to believe the information was inaccurate, this is a direct violation of the law. 

Truth in Lending Act ( TILA ) 15 U.S.C. 1666b This section protects consumers from being penalized with late fees unless payments are received after a reasonable due date and grace period. Any late payment reporting that violates this section must be removed. 

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 Charge-offs involving disclosure of nonpublic personal information without my consent violate my financial privacy rights under this provision and must be addressed immediately. 

Fair Debt Collection Practices Act ( FD

CPA ) 15 U.S.C. 1692c ( c ) Debt collectors must cease communication and collection activity upon written request. Continued reporting of collections after such notice is a violation and must be corrected. I request that the CFPB investigate these accounts for FCRA compliance and
facilitate their immediate removal from my consumer report. Please notify me in writing of the outcome of your investigation.

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 2025-04-09 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: 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 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