vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Unfair Credit Reporting and Failure to Consider Financial Hardship Company Names : XXXX & Discover Financial Services Complaint Against XXXX : I submitted a goodwill adjustment request to XXXX asking for the removal of a late payment that occurred due to an unforeseen medical hardship ( short-term XXXX  without pay ). Despite multiple attempts, XXXX has completely ignored my request and refuses to acknowledge my communication. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information. However, XXXX is refusing to consider extenuating circumstances and failing to provide clear responses, which is an unfair practice. I request that CFPB investigate XXXX refusal to engage in fair credit reporting practices and require them to address my dispute. 
Complaint Against Discover : Discover claims they are required by law to report late payments accurately, which is misleading. The FCRA does not require lenders to report negative informationonly that what they do report is accurate. My missed payment was due to a documented medical hardship ( short-term XXXX without pay ), and Discover refuses to work with me despite my long-standing account history. 
Under FCRA 15 U.S.C. 1681s-2 ( b ), Discover must conduct reasonable investigations of disputes, yet they refuse to accommodate or review my situation properly. Additionally, under Equal Credit Opportunity Act ( ECOA ) 701 ( a ) ( XXXX ), creditors must not engage in unfair credit practices, which includes refusing to work with consumers experiencing legitimate financial hardship. 
Requested Resolution : I ask the CFPB to investigate both XXXX and Discover for their unfair handling of hardship-based goodwill requests. Specifically, I request that : 1. XXXX acknowledges my goodwill request and formally responds rather than ignoring it. 
2. Discover removes the late payment from my credit report or provides a detailed explanation of why they refuse to do so, beyond a generic we must report accurately response.

3. The CFPB enforces its authority under the FCRA and ECOA to ensure fair credit reporting practices and prevent companies from penalizing consumers for documented financial hardships beyond their control.

I have attached proof of my medical leave, goodwill letters sent to both companies, and my credit report showing the negative marks.

Thank you for your time in reviewing this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of alleged debt. nor therefore any such debt therefore exists. ( whats your username please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXXXXXX XXXX  Balance {$1800.00}.

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 2025-02-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannct 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Complaint Regarding XXXX Secured Store Card Unacceptable Payment Processing Delays To Whom It XXXX Concern, I am writing to formally express my extreme dissatisfaction with the XXXX XXXX XXXX XXXX, issued by Synchrony Bank. I opened this card with the expectation that it would help me build credit while providing the convenience of using it for purchases. However, my experience has been anything but beneficial. 

After making a payment I was shocked to discover that my available credit was not updated for weeks. This delay in processing makes the card nearly useless, as I am unable to make new purchases in a timely manner. XXXX half a month for a payment to clear is entirely unreasonable, especially for a secured credit card where funds should be readily available. 

Even after several chat sessions with a " live agent '' and the agent stating that they would work alongside their supervisor to have my available credit updated after successfully logging out then back into my account was and epic fail and has ultimately landed me here as my patience has been exhausted and I no longer desire to deal with either Synchrony Bank or XXXX. 

This experience has led me to cancel my XXXX XXXX membership and significantly reduce my business with XXXX, as I no longer trust their financial services. I feel that the XXXX Secured Store Card is misleading, ineffective, and ultimately a waste of money for customers who are trying to build their credit responsibly. 

I strongly urge Synchrony Bank and XXXX to address these processing delays and improve transparency regarding how payments are handled. I also encourage other potential customers to think twice before applying for this card. 

If there is any resolution or action that can be taken to rectify this situation, I would appreciate a response. Otherwise, I will be sharing my experience through online reviews, financial consumer forums to highlight these unfair practices. 
Sincerely,

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 2025-02-12 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: NV

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX, I am writing to formally file a complaint regarding unauthorized credit report pulls made by companies without my consent. On multiple occasions, I have noticed inquiries on my credit report that I did not authorize, which has raised significant concerns about my privacy and financial security. 
As you know, according to the Fair Credit Reporting Act ( FCRA ), businesses must have a permissible purpose to pull an individuals credit report. These companies did not have my consent, and I do not believe they had a legitimate reason to access my credit information. 

This unauthorized activity has caused me concern about the potential for identity theft or other misuse of my personal data. I kindly request that the CFPB investigate this issue and help ensure that the companies responsible are held accountable. 

Please confirm that my complaint has been received and let me know what actions will be taken to resolve this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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
Consumer complaint received 2025-02-12 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:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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 by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday XX/XX/year> I received a fraud alert about a {$790.00} transaction. I immediately said it was not me. Chase Bank took the {$790.00} out of my account until XX/XX/year> {$790.00} was put back in my account. On XX/XX/year> the {$790.00} was again removed from my account Chase started that it posted on the XXXX and would be deposited back over night. Today is now XX/XX/XXXX and it has not been deposited back to my account. Also I have not received my replacement card 12 days is a long time to process a replacement card. Basically Chase has been holding my {$790.00} hostage for 12 days. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XX/XX/year> Credit Bureau Name Consumer Financial Protection Bureau Subject : Credit Report Dispute Under FCRA ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Please investigate and correct the following item ( s ) that appear incorrect : Disputed Item ( s ) : Account Name : DEPTEDNELNET Account Number : Unknown Issue : There has been a data breach and my personal information has been leaked i no longer feel comfortable paying this debt I have attached supporting documentation, including screenshots of what information i could gather. Please conduct an investigation and remove the inaccurate information within the 30-day timeframe required by the FCRA.

If you need further details, feel free to contact me at the above-listed phone number or email. Once your investigation is complete, please send me a written confirmation of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION XXXX XXXX AND XXXX XXXX reporting agencies 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 XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$460.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2025-02-12 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: CA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.

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 2025-02-12 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: NC

Complaint narrative:
To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.

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 2025-02-12 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: SC

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>

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 2025-02-12 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-02-12 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:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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 XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief