vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
Car was stolen never returned XXXX  XXXX  was supposed to pay the XXXX XXXX XXXX so this is not my my loan I was never informed of any of this

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint because Capital One has reported inaccurate information to the credit bureaus, which is negatively affecting my credit score. Specifically, they reported a 30-day late payment, which an investigation by XXXX has confirmed to be incorrect. However, Capital One has not corrected this mistake across all credit bureaus, and my reports with XXXX and XXXX still show this inaccurate information. 

Despite my previous attempts to resolve this issue directly with Capital One, they have failed to update the inaccurate report. This misinformation is unfairly impacting my financial opportunities. 

Company Involved : Capital One Account Number : XXXX  Day Opened : XX/XX/year> Credit Limit : {$300.00} Term Frequency : Monthly Months Revd : 14 Activity Designator : Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : 1. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt. 
2. A written statement confirming that you will no longer pursue collection efforts. 
This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions. 
I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 

15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681e ( b ) Please provide written confirmation of your receipt of this letter and your intention to comply with my request.Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. 
I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT 609 LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER 90 DAYS AGO. PORTFOLIO RC, XXXX XXXX CREDIT CARD {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

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 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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a debt collector that is bothering you and requesting a dispute of the associated debt on your credit report. You can personalize it with your specific details. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Request for Assistance with Debt Collection and Credit Dispute Dear CFPB, I am writing to bring to your attention a troubling situation regarding a debt collector that has been persistently contacting me about a debt that I believe is inaccurate and should not be reflected on my credit report. 




I have received numerous communications from this debt collector, including phone calls and letters, which have caused me significant distress. I believe that the debt they are attempting to collect is either not valid or has been inaccurately reported on my credit report. 

I would like to request your assistance in investigating this matter and disputing the associated debt on my credit report. I assert that this debt should be removed due to [ briefly explain your reasoning, e.g., " it has been paid, '' " it is not my debt, '' or " it i Please let me know if you require any additional information from my side to facilitate this process. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX -- -.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report. 
The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and please send me the 1099c form for the account that I allegedly had with Citi Credit cards.

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 2025-03-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I reviewed my XXXX credit report and discovered that Navy Federal Credit Union reported a charge-off on XX/XX/year>, with a balance of {$1300.00}. This account was inaccurately reported and has negatively impacted my credit profile. 

Actions Taken : I disputed the account with XXXX under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) on [ insert date ]. 
I specifically requested validation of the alleged debt, including a copy of the original creditor agreement bearing my signature, and any documentation used to verify the accuracy of this reporting. 
XXXX failed to provide sufficient validation and continued to report the inaccurate information, which is a violation of 15 U.S.C. 1681s-2 ( b ) ( duty to investigate and correct inaccurate information ). 
This reporting has caused financial harm, and I am seeking its immediate deletion from my credit report and compensation for the damages caused by XXXX  failure to properly investigate and correct the issue. 
Requested Resolution : Immediate removal of the charge-off from my XXXX credit file. 
A full explanation of the investigation process and why XXXX continues to report unverifiable information. 
Compensation for financial harm due to XXXX failure to comply with federal law. 
If XXXX does not resolve this matter, I am prepared to escalate the issue further, including legal action for damages as permitted under 15 U.S.C. 1681n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I previously disputed ( case # XXXX ) a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers of credit information must provide complete and accurate reporting. 

XXXX has failed to validate this debt within the legally required timeframe. Since XXXX has not provided proof that this account is mine, they are knowingly reporting inaccurate information, which is a violation of the 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 non-monetary relief
Consumer complaint received 2025-03-23 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 previously disputed ( case # XXXX ) a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers of credit information must provide complete and accurate reporting. 

XXXX has failed to validate this debt within the legally required timeframe. Since XXXX has not provided proof that this account is mine, they are knowingly reporting inaccurate information, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
This letter serves as a formal demand for the immediate removal or update of my student loan accounts from all credit reporting agencies due to multiple violations of my consumer rights under federal law. 

XXXXXXXX XXXX XXXXXXXX First and foremost, my student loans are in deferment until XXXX, meaning there should be no late payments reported under any circumstances. Reporting late payments while my loans are in deferment is an outright violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or misleading information. You are knowingly reporting false data, damaging my credit profile unlawfully. 

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt out of having my non-public personal information ( NPI ) shared with third parties. Companies such as TransUnion, Equifax, Experian, and any other unauthorized entitiesincluding XXXX XXXX or affiliated businessesare third parties and should not have had access to my private information. You failed to provide me with the required opt-out disclosure, violating my privacy rights. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 6802 ( b ) ( GLBA Violation ) You shared my non-public personal information without proper opt-out procedures.

15 U.S.C. 1681b ( FCRA Violation ) My consumer report was accessed without permissible purpose.

15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) Any inaccurate, unverifiable, or unauthorized information must be deleted.

15 U.S.C. 1692e ( FDCPA Violation ) Reporting inaccurate or unlawful debt is a deceptive practice. 

By illegally allowing unauthorized access to my personal data and reporting false late payments while my loans are in deferment, you have violated my federal consumer rights and must immediately remove these accounts from my credit report. This is not a request but a demand. 

I expect immediate corrective action. Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC, State Attorney General, and potential legal action. 

I require a written response confirming the removal of these accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties and documentation supporting the false late payment reporting while in deferment. 

This is your final notice before escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase decrease the limit on my credit card, and did not let me know until I tried to use the Card. I have had this Card for several years, which I did not use for a year. When I did use the card, I would pay balance in full on due date. I may have been a day late for XXXX payment, but never days or months. Being late was because they did not, or I did not get statement for due date. I had to call and see why, and had them to correct my mailing address. When I do pay my bill, it's either in full or much more than the stated monthly payment. I decided to use the care a couple of months ago, and when I did, they decreased the limit. They decreased it to the about that I used it for, which was XXXX to XXXX. Why would they do that. I always paid my credit card bills on time, or pay in full by due date. for several years with the high credit limit, they NEVER decreased the limit, and waited until I used it, then they decreased. I also asked them to send me a copy of a contract where I signed for them to access my credit report at anytime they want to, I was put on hold for XXXX minutes, and they disconnected the line. To this date I have not received contract I requested. My next door neighbor is XXXX, and she said she barely uses her card and have a high credit limit, and they never decrease her limit. I do feel it is racial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I submitted a XXXX XXXX XXXX application to XXXX on XX/XX/year> for private student loans issued in connection with a school known to have engaged in widespread fraud and misrepresentation. Despite substantial evidence of misconductsupported by U.S. Department of Education findings and federal court rulings including XXXX  v. XXXX and state-level lawsuits like Commonwealth of XXXX  XXXX XXXX XXXX.I received a letter on XX/XX/year> that my application was denied without any specific reason or explanation. 

XXXX denial lacked transparency, failed to provide evaluation criteria, and did not address the documented misconduct by the institution I attended. I have reason to believe that XXXX is engaging in unfair and deceptive practices by routinely denying valid discharge applications without proper review or justification. I am requesting the CFPBs assistance in holding XXXX accountable and compelling them to provide a fair and thorough reassessment of my application, along with a detailed explanation for the initial denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-03-24 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief