vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern : I am filing a former complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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 2025-05-04 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:
Please check the information concerning the equifax data breach below are attachments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX EquifaxXXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiries XXXX  XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Inquiries : XXXX XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX via dealer XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX - Opened XXXX XXXX, XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXXXXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$4800.00} Account number XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1300.00} Account number XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$1000.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$3800.00} Account number : XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$3000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing the LVNV Funding LLC account managed by XXXX XXXX XXXX on my XXXX credit report ( Report Confirmation # XXXX ), which lists a collection of {$1000.00} allegedly from XXXX Bank. First, XXXX Bank is not reporting any open tradeline or balance due on my Equifax report, and LVNV Funding has not provided any documentation confirming a valid assignment or legal transfer of ownership. No signed agreement containing my name and Social Security number has been produced. Additionally, no IRS XXXX XXXX has been issued, even though this debt has been previously charged off by the original creditor. This collection entry violates FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ), as it lacks any basis of legal standing or verifiable debt ownership. I request the immediate and permanent deletion of this account from my XXXX report due to its unverifiable status and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Kikoff Inc.
State: TX

Complaint narrative:
This message is in regard to an account from Kikoff that is currently being reported on my credit report. I am formally requesting a dispute and investigation into this item. 

On XX/XX/year>, I was involved in a serious car accident that left me hospitalized and out of work for an extended period of time. As a result, I was unable to manage my finances, and several accounts including Kikoff were affected during this hardship. Unfortunately, this account went into collections.

I have reached out to Kikoff directly, and they informed me that while they understand my situation and sympathize with my circumstances, they are unable to make changes and advised me to contact the credit bureaus to initiate a dispute. 

Given the nature of this hardship and the fact that I was financially and physically unable to meet my obligations at the time, I respectfully request that this item be reviewed and considered for removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Credit bureau has late payments currently reporting on my consumer credit report not permissible by 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I disputed XXXX charges from XXXX XXXX for {$1000.00}. With Capital One Quicksilver Credit Card. XXXX XXXX was only Authorized to charge/hold {$100.00}. 
After XXXX XXXX refused to correct amount and return unauthorized charges I filed dispute with Capital One who previously credited a refund of {$970.00} while they began an investigation. I submitted copy of contract agreement with XXXX to Capital one as requested. However Capital one says my contract wasnt sufficient & needed a sales receipt which I was Never given & reapplied the {$970.00} of unauthorized charges to my Capital One card & stated that I need to resolve matter with XXXX myself and closed all further investigation into this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report ( XXXX ) fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account at XXXX XXXX XXXX dated XX/XX/XXXX, and an auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX. These unauthorized accounts have led to several fraudulent hard inquiries and collections being reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all the above-mentioned fraudulent accounts and any related inquiries or collection activities from each of my consumer credit reports. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Credit Bureau credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, 1 request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-04 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: NV

Complaint narrative:
Civil liability for negligent noncompliance 15 U.S.C. 1681o In general, XXXX XXXX XXXX XXXXXXXX XXXX. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NV

Complaint narrative:
Civil liability for negligent noncompliance 15 U.S.C. 1681o In general, XXXX XXXX XXXX XXXXXXXX XXXX. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint against XXXX XXXX XXXX and/or the relevant credit reporting agencies for their failure to properly investigate and remove a fraudulent account that resulted from identity theft. 

Account in Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Fraud Amount : {$3500.00} Dispite submitting a formal dispute and providing the required documentationincluding my FTC Identity Theft Report ( dated XX/XX/year> ) the account has not been removed from my credit report. I also never authorized any credit inquiry or application with XXXX XXXX XXXX. 


Legal Grounds : XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX : Requires credit bureaus to block fraudulent information within XXXX business days upon receiving : Proof of identity A valid Identity Theft Report A statement from the consumer A formal request for blocking XXXX. FCRA, XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX. FCRA XXXX and XXXX : Provide for civil liability in the event of willful or negligent noncompliance with the FCRA. 


Attached Documentation : FTC Identity Theft Report ( Report dated XX/XX/year> ) Government-issued ID Action Requested from CFPB : Investigate XXXX XXXX XXXX  and the credit bureaus involved for FCRA noncompliance Enforce permanent deletion of the fraudulent XXXX  XXXX account Ensure no future credit reporting or collection activity is associated with this account Provide written confirmation of resolution This unresolved identity theft has negatively impacted my credit and caused distress. I respectfully request that the CFPB step in to enforce compliance and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute the account associated with : OPORTUN INC that is currently being reported on my credit report. I have recently discovered that a third-party collection agency is listing XXXX XXXX as the original creditor. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation of this alleged debt, including proper documentation to support its legitimacy and origin. Please note that I am not obligated to list the name of the collection company, the balance, or any additional identifying details from my credit report to assist in your internal verification. Doing so would defeat the entire purpose of requesting that you, as the original furnisher, verify and substantiate the information you are reporting. If your company is indeed the original creditor or source of the debt, you should have sufficient records to locate and validate the account without additional input from me. I do not recall ever receiving notice of this alleged debt, nor any correspondence regarding its sale or assignment. Until proper validation is provided, I request that all reporting related to this account be paused and, if unverifiable, removed from all consumer reporting agencies immediately. I am fully aware of my rights under the FCRA and other applicable consumer protection laws and intend to exercise them as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. 

I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed 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 2025-05-04 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: SC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX 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, Experian 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 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of 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