vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. Portfolio Recovery Associates is reporting a collection account on my XXXX report that violates the Fair Credit Reporting Act, FDCPA, and Metro 2.

The account was disputed in writing and via XXXX in 2024. PRA failed to validate the debt, continues to report it without marking it as disputed, and is misrepresenting the balance and charge-off history.

PRA has committed at least 10 violations including FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ), FDCPA 1692g ( b ), 1692e ( 8 ), and Metro 2 Field 17C re-aging violations.

I am attaching a full Cease & Block demand, sworn affidavit, and declaration of harm. I am requesting full deletion and enforcement under FCRA 616
and FDCPA 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am submitting a formal dispute regarding a reported deficiency balance of {$19000.00} from XXXX XXXX XXXX, related to a repossessed vehicle. 

I purchased the vehicle in XXXX for approximately {$26000.00}, with a monthly payment of {$620.00}. I made regular payments until approximately XX/XX/XXXX, with XXXX deferred paymentsone in XXXX and XXXX in XXXX approved by the lender. In total, I made approximately XXXX full payments, equaling an estimated {$20000.00} paid toward the loan. 

The vehicle was repossessed in XX/XX/XXXX. Since that time, I have not received any documentation showing the resale price of the vehicle, nor any itemized statement detailing how the current deficiency balance was calculated. It is also possible that the vehicle was sold for an amount equal to or exceeding the remaining loan balance at the time of repossession, which would mean no deficiency exists. 

As such, I am requesting : 1. Documentation of the vehicles resale price 2. An itemized breakdown of how the alleged {$19000.00} balance was calculated 3. A full accounting of all payments, credits, fees, and proceeds applied to the loan Pursuant to UCC 9-616, the creditor is required to provide a post-sale explanation detailing how the proceeds from the vehicles disposition were applied and whether a deficiency remains. I have not received this information.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am asserting my right to dispute the debt and request full validation.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-01 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX XXXX  To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXXXXXX XXXX XXXXXXXX

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 2025-05-01 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN TRYING TO ACCESS MY ONLINE ACCOUNT WITH EQUIFAX, THEY KEEP ADVISING ME TO SEND MY ID AND SOCIAL TO UPDATE IN THEIR SYSTEM. I HAVE SENT IT FOUR TIMES AND STILL THEY ARE SAYING THEY DID NOT REICEVE IT. THEY ARE PREVENTING ME FROM HAVING ONLINE ACCESS SO I AM UOLOADING IT HERE .SO THAT WAY YOU CAN SEND IT TO THEM DIRECTLY. 



THEY ARE REPORTING XXXX XXXX  BALANCE INCORRECTLY AND NEED TO REMOVE THE BANK INQUIRESS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX pacific at Chase Bank in XXXX XXXX XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX  ca XXXX A teller authorized a fraudulent withdraw from my checking account for the amount of {$300.00}. My identity has been entirely compromised due to a previous break into my vehicle in which they stole my wallet that had my real California ID and my bank cards as well as my Social Security number. Whoever broke in has since tried applying for credit cards and has contacted my bank without my authorization and the bank has allowed them to make inquiries as well as withdraws with my ID even though this person is not me. 
I contacted the bank immediately, and they told me that they were unable to help me until the withdraw had posted. So I went to a branch in XXXX XXXX on Monday XX/XX/year>, where I was assisted by a private banker named XXXX and he helped me file in person the fraud that occurred on my account on Saturday. XXXX then showed me that there was a suspicious inquiry Friday, XX/XX/year> from a number claiming to be me however this phone number is completely unrelated to me. And Chase still gave them information about my account. 
The bank has issued me a new card however, this isnt going to prevent the problem from reoccurring as this person could just revisit this branch in XXXX XXXX and continue to withdraw my funds using my ID. This fraudulent person has also requested a change of my address so Im unaware if Chase is sending any correspondence to their address without my knowledge. I have not received my {$300.00} back and Im unable to receive correspondence via mail by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/year>, and XX/XX/year>. My correct and current personal information is : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date of XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this XXXX the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX, and I have been a substitute teacher for the XXXX XXXX XXXX XXXX for the past seven years. I hold a teachers license and have undergone regular training to ensure compliance with the privacy laws and regulations regarding the protection of student information. 
I am writing to formally express my concerns about a serious matter involving the breach of privacy laws, particularly regarding the handling of private information by entities connected to the XXXX XXXX XXXX. I am deeply disturbed by recent reports regarding XXXX  involvement in activities that may violate privacy laws, especially those that protect students ' personal information. As a professional in the education sector, I have been regularly tested on privacy laws, and I know how strict the regulations are. For instance, I was unable to access my own son 's information while he was away at college due to the violation of privacy protocols. 
Given my long-standing commitment to upholding privacy standards, I find it both alarming and unacceptable that such a breach could occur within the XXXX XXXX XXXXn or through any affiliated parties. 
In light of these concerns, I respectfully request that my student loans, as well as any profile connected to my account within the XXXX XXXX XXXX, be dismissed due to the breach of privacy laws. The release of private information without proper authorization is illegal, and I can not fathom why this would be permitted under any circumstances. Also, through my school credit union, my information has been breached, and my social security data information has been linked on the dark web. 
I'm paying monthly to have my information removed and protected. 
I'm at a lost on what further steps to take to remove my information. 

I would appreciate your immediate attention to this matter and a timely response. Please let me know if any additional information is required from my end to proceed with this request. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-05-01 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:
Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX. XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance {$300.00} As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resconsumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The reason why I am disputing these accounts is that the information reported is incomplete and does not comply with the standards set forth in the FCRA. The company name is Experian. The date was XX/XX/XXXX XXXXThe amount is {$30000.00}

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 2025-05-01 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: LA

Complaint narrative:
On XXXX I sent a second letter regarding inaccurate and unknown things on my credit report. It has been nearly 60 days and I have yet to receive a response. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's been nearly 60 days so they should be deleted or updated promptly. I demand these accounts be updated and/or deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my credit report. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX XXXXXXXX breach.

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