vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report. 


I demand immediate action as follows : Acknowledgment and Removal : Acknowledge that the accounts and transactions in question are fraudulent. Remove all unauthorized accounts, inquiries, and charges from my credit report without delay.

Cease Collections and Negative Reporting : Ensure that no further collection attempts are made, and that no negative marks are placed on my credit report concerning these fraudulent accounts.

Written Assurance : Provide written confirmation that my personal information has been secured and that steps have been taken to prevent further unauthorized activity under my name. 

Compensation for Damages : Compensate me for any harm or adverse effects caused by this identity theft, including damages to my credit score and personal life.

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 2025-04-14 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:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report. 


I demand immediate action as follows : Acknowledgment and Removal : Acknowledge that the accounts and transactions in question are fraudulent. Remove all unauthorized accounts, inquiries, and charges from my credit report without delay.

Cease Collections and Negative Reporting : Ensure that no further collection attempts are made, and that no negative marks are placed on my credit report concerning these fraudulent accounts.

Written Assurance : Provide written confirmation that my personal information has been secured and that steps have been taken to prevent further unauthorized activity under my name. 

Compensation for Damages : Compensate me for any harm or adverse effects caused by this identity theft, including damages to my credit score and personal life.

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 2025-04-14 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted Everbank at their support number 4 days ago and they said they would get back to me and have not. I also contacted them via e-mail. This is the response, and I have received no notification this fraudulent account has been closed : Dear XXXX : Thank you for your email. We're happy to get back to you and provide the following information : You wanted an update on an email you sent. 

Thanks for contacting us. We have received your email, and your request has been forwarded to the appropriate team for processing. 

If you have any further questions, please contact a Client Solutions Specialist at XXXX, or visit us online. 



XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Urgent Complaint Regarding Improper Collection of Charged-Off Account Without Issuance of XXXX Complaint : I am filing an urgent complaint regarding the attempted collection and/or continued reporting of a charged-off credit card account originally issued by Capital One. The account was charged off as bad debt/uncollectible on XX/XX/year>, yet Capital One has never issued a XXXX to me. 

Under IRS guidelines, a XXXX is generally required when debt over {$600.00} is canceled or forgiven. The fact that no such form was issued, despite the account being charged off and potentially transferred or sold, raises serious concerns about the legality of any further collection or continued reporting of this debt. 

Furthermore, even if a XXXX were issued now, I doubt Capital One could produce adequate documentation to validate that they have not already received a tax benefit or profited from selling the debt while still treating the balance as collectible. This creates the risk of double-dipping, where the original creditor benefits financially and yet allows or initiates collection activities as if the balance were still valid. 

This situation raises both tax compliance and consumer protection concerns. If the debt was forgiven or sold, it should no longer be reported or collected in any form especially without proper legal or tax documentation being provided. 

The ongoing collection status of this account is not only questionable but is also actively harming my credit and interfering with my ability to secure critical business financing. 

Cross-Reference : This complaint is directly related to a prior complaint I filed under the Credit Reporting category regarding the same account. That case addressed the continued reporting of the charge-off on my credit report. This current complaint focuses specifically on the collection behavior and documentation failures associated with the same account. 

Requested Resolution : I request that all collection efforts associated with this account be immediately halted, and that the account be removed from all credit reporting systems. If Capital One or any third-party collector can not provide documentation proving the debt is still legally valid and collectible including proof that no tax benefit or cancellation occurred then the debt must be considered resolved and withdrawn from all records. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the victim of identity theft. I recently discovered that fraudulent accounts have been opened in my name without my authorization. Specifically, the following accounts are in question : Capital One : Account number ending in XXXX XXXXXXXX XXXX XXXX XXXX. : Account number ending in XXXX I did not apply for or authorize these accounts, and I have no knowledge of the individual ( s ) who did. These accounts were opened and used without my consent, and they are negatively impacting my credit report and personal financial well-being. 

I have contacted both creditors to dispute the accounts and report the fraud, but I am requesting the CFPB 's assistance in ensuring these accounts are investigated thoroughly, removed from my credit report, and that any collections or reporting activity related to these fraudulent accounts are stopped immediately. 

I have also filed an identity theft report with the Federal Trade Commission ( FTC ) and placed fraud alerts with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 : XX/XX/XXXXXXXX {$6400.00} -XX/XX/XXXX XXXX {$600.00} - XXXX XXXX XXXX IN XXXX {$270.00} - XXXX XXXX XXXX XXXX {$220.00} - ADDRESSES NOT RECOGNIZED XX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX 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 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 2025-04-14 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 : XX/XX/XXXXXXXX {$6400.00} -XX/XX/XXXX XXXX {$600.00} - XXXX XXXX XXXX IN XXXX {$270.00} - XXXX XXXX XXXX XXXX {$220.00} - ADDRESSES NOT RECOGNIZED XX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX XXXX, ADDRESS : XXXX XXXX XXXX, XXXX, TX 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 2025-04-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) for deceptive and misleading 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 2025-04-14 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: AL

Complaint narrative:
I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$2600.00} Reporting Bureaus : TransUnion, Experian, Equifax Identified Compliance Issues : Conflicting statuses deferment on one bureau, 'pays as agreed ' on another. 
Late payment marks while the account is reported current. 
Account may be a duplicate of XXXX or XXXX. 

These reporting errors violate Metro 2 data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I am filing a complaint regarding a student loan that was processed under my name and is now being reported by EDFinancial as delinquent despite being enrolled in a tuition-covered program through my employer, XXXX, XXXX the XXXX XXXX XXXX XXXX 

I enrolled at XXXXXXXX XXXX  under the XXXX XXXX program, which is supposed to fully cover tuition for eligible employees. During my enrollment, I was told by XXXX staff that there was nothing to worry about regarding tuition, and that it would be fully covered through XXXX XXXX 

However, I was recently contacted by EDFinancial, who claims I owe money on a federal student loan. This has now negatively impacted my credit. I was never properly informed that a federal loan had been taken out or processed in my name, and I never consented to such borrowing especially under the understanding that all tuition would be paid by the XXXX program. 

This situation is distressing and has caused harm to my credit score and financial well-being. I am requesting an investigation into the loan disbursement practices of XXXXXXXX XXXX  and EDFinancial, and whether appropriate disclosures and authorizations were made. I also request a review of the reporting on my credit, as I believe this debt was initiated in error due to miscommunication or mishandling between XXXX, XXXX XXXX and EDFinancial. 


A full investigation into how this loan was initiated. 

Removal of the negative credit reporting if the loan was improperly disbursed. 

A clear explanation of what XXXX covered vs. what was charged to me. 

Assurance that I will not be penalized for a financial aid process I did not knowingly agree to. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I have called in and set letters in for address that do not belong to me to be removed, and they have not complied. There should not be any personal information that does not belong to me on my credit report this includes addressed and work history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I have called in and set letters in for address that do not belong to me to be removed, and they have not complied. There should not be any personal information that does not belong to me on my credit report this includes addressed and work history

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 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections XXXX ( XXXX ) and XXXX Dear Sir/Madam, I am composing this correspondence to formally challenge an erroneous listing on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( XXXX ) and XXXX. I demand that you conduct a thorough inquiry and expunge the unjust charge-off account detailed below, as it is completely unwarranted. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a student loan from XX/XX/XXXX. I have an income driven plan and I was not set to make any payments until this year, XXXX. I consolidated my loans ( while my other loans were in forbearance ) and have not have a payment due! However, XXXX  continues to inaccurately report my payment history on the credit bureaus despite me requesting more information, and despite my disputing the issue multiple times. It keeps coming back as verified but I have NO documents showing that I had a payment due on my loan that is deferred!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a student loan from XX/XX/XXXX. I have an income driven plan and I was not set to make any payments until this year, XXXX. I consolidated my loans ( while my other loans were in forbearance ) and have not have a payment due! However, XXXX  continues to inaccurately report my payment history on the credit bureaus despite me requesting more information, and despite my disputing the issue multiple times. It keeps coming back as verified but I have NO documents showing that I had a payment due on my loan that is deferred!

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