vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on Date opened XX/XX/XXXX under the account number ( XXXX ), And a student loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a student loan account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXXXXXX XXXX opened on XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ). A account a XXXX XXXX, opened on XXXX XXXX with balance of $ ( XXXX ). A account at XXXX. XXXX, XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : 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.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I put money in a leader that when I went back for it the money wasnt there I sent it through Zelle but forgot the name cause it was awhile ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
My personal and financial information was compromised without my approval or authorization. The FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( XXXX ) Protects my confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach resulting in the compromise of my personal and financial information, I am requesting the full and immediate cancelation and discharge of my student debt loan in full. XXXX does not have my permission to access any of my records and has committed an unbecoming violation of XXXX. I was made aware of this violation XX/XX/2025 and I do not consent for my personal and financial information to be shared with any person or entity.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX IN REGARD TO THESE Capital One ACCOUNTS # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Accts # XXXX, XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # XXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
This also violates the XXXX XXXX XXXX ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: DE

Complaint narrative:
Experian and Equifax will not remove all of the address that are not correct on my credit reports. I have XXXX address that is associated with all of my tradelines and that is the only address that should be listed. XXXX is the only XXXX out of the XXXX that is complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Today, I received an email from a TrueAccord debt collector trying to collect a debt to XXXX XXXX ( debt id : XXXX ). XXXX XXXX charged me for a service they had never provided for about a year since I switched from XXXX to XXXX. I didn't demand the payback, but I should if you could help me. When I found out about the situation, I requested a credit card provider to block this payee after my call to XXXX, and they refused to stop the charges. Not only did they fail to provide a payback for services they never provided, but they sent me to a debt collector for the money I authorized the credit company to cancel transactions after they received my proof that the XXXX they claimed to provide service for was in-service with a different provider, XXXX. Please find the proof of service by XXXX for the disputed timeframe attached.

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 2025-02-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Experian, Transunion and Equifax deleted inaccurate fraudulent account then re-inserted the item back on my consumer reports. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). In light of the rulings in XXXXXXXX XXXX  Trans Union Corp. and XXXX XXXX Equifax Information Services, it is clear that credit reporting agencies are obligated to ensure the accuracy of the information they report. Merely parroting data from creditors and collection agencies is unacceptable. Each of your agencies has a duty to conduct a thorough investigation and correct any inaccuracies promptly. I demand the immediate removal of these fraudulent entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on your part. Furthermore, I request that you provide me with written confirmation of the deletion of these items, as well as an updated copy of my credit report reflecting these changes. I am writing to formally dispute the accuracy of several accounts on my credit report and demand immediate action. As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This includes the right to challenge any inaccuracies and demand that you verify the disputed accounts and provide written confirmation of your findings.- Legal Recourse : If the CRA does not comply, the consumer can file complaints with the CFPB or take DO NOT REINSERT ITEMS BACK! Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items were validated properly. I demand you to delete these items from my credit file or I will seek Litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material Experian, Transunion and Equifax have all violated my rights and caused severe damage to my livelihood. Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Delete Immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MO

Complaint narrative:
Experian, Transunion and Equifax deleted inaccurate fraudulent account then re-inserted the item back on my consumer reports. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). In light of the rulings in XXXXXXXX XXXX  Trans Union Corp. and XXXX XXXX Equifax Information Services, it is clear that credit reporting agencies are obligated to ensure the accuracy of the information they report. Merely parroting data from creditors and collection agencies is unacceptable. Each of your agencies has a duty to conduct a thorough investigation and correct any inaccuracies promptly. I demand the immediate removal of these fraudulent entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on your part. Furthermore, I request that you provide me with written confirmation of the deletion of these items, as well as an updated copy of my credit report reflecting these changes. I am writing to formally dispute the accuracy of several accounts on my credit report and demand immediate action. As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This includes the right to challenge any inaccuracies and demand that you verify the disputed accounts and provide written confirmation of your findings.- Legal Recourse : If the CRA does not comply, the consumer can file complaints with the CFPB or take DO NOT REINSERT ITEMS BACK! Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items were validated properly. I demand you to delete these items from my credit file or I will seek Litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material Experian, Transunion and Equifax have all violated my rights and caused severe damage to my livelihood. Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Delete Immediately. 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 2025-02-09 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: TX

Complaint narrative:
On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a current military service member in the U.S. Army, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a current military service member in the U.S. Army, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a capital one credit card with XXXX dollars limit and now I owe almost XXXX on it what kind of interest rate is that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I was purchasing a new vehicle and needed my lease payoff amount. XXXX XXXX  kept sending me the total payoff amount that would apply if I were purchasing the vehicle. I called multiple times and advised that the dealership required my exact balance for the lease itself as they were going to pay off the lease and roll the amount into my new loan. XXXX XXXX refused to provide this amount in writing. They continually said it was impossible. After about an hour of multiple phone calls, I was able to get an agent to verbally tell me the amount which I then had to verify by doing the math myself. Im still not even sure that this amount is 100 % accurate ; as they refused to provide it in writing. The dealership advised me that they likely did this in order to keep me in the loan and advised that this kind of behavior is highly unusual in the industry. This sort of practice must be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute and file a complaint regarding the unlawful reporting of a repossession on my credit report. This inaccurate and misleading information is causing significant harm to my financial standing, and I am requesting immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Details of the Dispute : Creditor/Reporting Entity : XXXX XXXX Account Number : XXXX Date of Alleged Repossession : XX/XX/year> Credit Reporting Agencies Affected : Experian, XXXX, XXXX, or all three Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( XXXX in XXXX of XXXX XXXX ) : I formally disputed the erroneous repossession with the credit reporting agencies, yet the furnisher has failed to conduct a proper investigation or remove the inaccurate information within the required timeframe. 
15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : The furnisher of this inaccurate repossession has reported false or misleading information to the credit bureaus, violating their duty to report only complete and accurate data. 

The furnisher has failed to correct or delete the inaccurate information after being notified of the dispute, violating the FCRA. 

Harm Caused : As a result of this unlawful reporting, I have suffered financial harm, including but not limited to : Denial of credit and financial opportunities Increased interest rates due to a lower XXXX XXXX Emotional distress from dealing with incorrect reporting and disputes

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian and Equifax will not remove all of the address that are not correct on my credit reports. I have XXXX address that is associated with all of my tradelines and that is the only address that should be listed. XXXX is the only XXXX out of the XXXX that is complying.

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 2025-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in the data breach and have some thing on my credit I dont t recognize on it.

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