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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have multiple late payments on this account that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, i've attached a copy of my report to this complaint on the following dates XX/XX/year> through XX/XX/year> XXXX # XXXX I am requesting you investigate this account and I would like specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove my payment was not submitted on time. If unable to provide this proof, update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They keep calling early in morning at XXXX am waking my family up sending letters that they going to take me to court I told them to stop they keep doing it

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: 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: VA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding to this accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly.

It is imperative that this accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. 

Below, I have outlined the specific details of the accounts that require correction : XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX balanced {$170.00}

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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 Experian 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another collections account at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) and another collections account at XXXX XXXX XXXX XXXX XX/XX/XXXX, under account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to demand the immediate and permanent removal of fraudulent accounts from my credit report. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ), and I have attached my FTC Identity Theft Report as documentation of the fraud. 

The fraudulent accounts that need to be permanently removed from my credit profile are as follows : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Card Services Date Opened : XX/XX/XXXX Account Name : XXXX Bank Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Associates Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act of 2008, I am entitled to have these fraudulent accounts permanently removed from my credit report upon providing the required documentation. As such, I request that these accounts be removed immediately and permanently from my credit file.

I expect written confirmation of the permanent removal of these accounts from my credit report within the time frame required by law.

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 — Reporting company used your report improperly
Company: Student Loan Direct
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against [ Company Name ], a cryptocurrency exchange platform, regarding their marketing practices surrounding Dogecoin ( DOGE ), which I believe are misleading and violate consumer protection laws. 
Details of the Complaint : Excessive Hype and Misrepresentation : [ Company Name ] has been actively promoting DOGE through aggressive marketing campaigns, including social media posts and celebrity endorsements, creating an inflated perception of the cryptocurrency 's value and potential for significant returns. These campaigns often lack crucial information about the inherent volatility of cryptocurrency investments and the risks involved in trading DOGE.

False Claims of Utility : [ Company Name ] has made misleading statements about DOGE 's practical use cases, suggesting it is widely accepted as a form of payment or has significant utility beyond its speculative value. This is not supported by evidence of real-world adoption. 
Failure to Disclose Conflicts of Interest : There are concerns that [ Company Name ] may be financially incentivized to promote DOGE due to their own holdings or potential benefits from increased trading volume, which is not adequately disclosed to consumers.

Targeting Unsophisticated Investors : The marketing tactics employed by [ Company Name ] appear to be specifically designed to target inexperienced investors with limited knowledge of cryptocurrency, potentially leading to significant financial losses. 
Specific Concerns : [ Provide specific examples of misleading advertisements or marketing materials, including dates, platforms, and key statements. ] [ Mention any instances where the company failed to disclose potential risks associated with DOGE investment. ] Requested Action : I request that the CFPB investigate these practices and take appropriate action to protect consumers from further harm, including : Issuing a cease-and-desist order to [ Company Name ] to stop misleading marketing practices related to DOGE.

Requiring [ Company Name ] to provide clear and accurate disclosures regarding the risks and volatility associated with cryptocurrency investments. 
Initiating an inquiry into potential conflicts of interest related to the company 's promotion of DOGE. 

XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
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: FL

Complaint narrative:
Navy Federal Credit Union misled me during my secured credit card application process on XX/XX/year>. A representative assured me that applying would not affect my credit, yet a few days later, I received a denial letter stating that a credit check had been conducted, resulting in a hard inquiry. This caused a significant drop in my credit score, negatively impacting my financial standing. I disputed this inquiry with Navy Federal, but they refused to remove it, and months have passed with no resolution. At no point was the process, policies, or potential consequences properly explained to me. I feel deceived and taken advantage of, and I am requesting fair compensation for the damage caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
My Studfent loan accounts are curent and in forbarance. THey keepo getign reproted as unpaid, but are in forbarance. I a have been trying al of XXXX to get some one to remove the negtive reprots from my recored but no noe will help me or they give me the run around.

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: NV

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: NV

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 2025-03-24 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: NY

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

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: Nelnet, Inc.
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

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: 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: OH

Complaint narrative:
I disputed an account with Trans union that is owned by a debt buyer. The services were for a XXXX  XXXX XXXX. The office incorrectly billed me for services performed on my XXXX XXXX XXXX son. I've requested it be XXXX multiple times to no avail. Also this is reporting as an installment account with late payments. It is from a dental office there was no installment agreement payments due etc. Trans union is not getting accurate data

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: 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:
1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$6700.00} Status : Collection Account Unpaid Opened : XX/XX/XXXX XXXX  This account appears to have been re-inserted or inaccurately reported on my credit report without any notice of re-insertion as required under FCRA 1681i ( a ) ( 5 ) ( B ). I have not received proper verification of the debt, nor notification within the required 5 business days of re-insertion. This is a violation of both FCRA 1681i and 1681s-2 ( b ). 

2. XXXX Account Number : XXXX Balance : {$0.00} ( Closed account, {$10000.00} limit ) Noted : 2 Late Payments Despite the balance being {$0.00} and the account closed, late payment information continues to be reported without sufficient validation. I requested verification of these late payments, but have received no evidence or investigation response. This violates FCRA 1681s-2 ( b ) and 1681i ( a ). 

3. XXXX XXXX XXXX ( Original Creditor : XXXX AAA ) Account Number : XXXX Balance : {$310.00} Opened : XX/XX/XXXX This is an open account with an unpaid balance, and yet no status is clearly marked. The reporting is incomplete and ambiguous, which misrepresents the true nature of the account and impacts my creditworthiness unfairly. This violates FCRA 1681e ( b ) which mandates maximum possible accuracy in reporting

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: EQUIFAX, INC.
State: AZ

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 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 am writing to demand the immediate and permanent removal of fraudulent accounts from my credit report. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ), and I have attached my FTC Identity Theft Report as documentation of the fraud. 

The fraudulent accounts that need to be permanently removed from my credit profile are as follows : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Card Services Date Opened : XX/XX/XXXX Account Name : XXXX Bank Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Associates Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act of 2008, I am entitled to have these fraudulent accounts permanently removed from my credit report upon providing the required documentation. As such, I request that these accounts be removed immediately and permanently from my credit file.

I expect written confirmation of the permanent removal of these accounts from my credit report within the time frame required 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 2025-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to demand the immediate and permanent removal of fraudulent accounts from my credit report. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ), and I have attached my FTC Identity Theft Report as documentation of the fraud. 

The fraudulent accounts that need to be permanently removed from my credit profile are as follows : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Card Services Date Opened : XX/XX/XXXX Account Name : XXXX Bank Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Associates Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act of 2008, I am entitled to have these fraudulent accounts permanently removed from my credit report upon providing the required documentation. As such, I request that these accounts be removed immediately and permanently from my credit file.

I expect written confirmation of the permanent removal of these accounts from my credit report within the time frame required 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 explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
On XX/XX/year>, I mailed a debt validation letter to Portfolio Recovery Associates regarding a collection account they are reporting on my credit report for {$1400.00}, originally from XXXX  XXXX. 

I have not received any response or documentation from the company, and more than 30 days have passed since my request. The account remains on my credit reports without being properly validated. 

This violates the FDCPA, and I believe this collection should not be reported without proper verification. 

I request that this account be removed from all credit reporting agencies immediately.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inquiries below are on my report not by my permission. These are the names and dates of each one. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation