vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I received letters in the mail that credit cards for both Target and XXXX XXXX have been opened under my name. I have reported both incidents of fraud to both of their respective customer service departments. I also have frozen my credits with XXXX, XXXX  and XXXX as well as set up fraud alerts with all three bureaus. As far as the information goes i know an amount on the target credit card has been spent of {$990.00}. I filed a police report ( case report # XXXX  ) with local XXXX police department XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to get an apartment and most apartment complex pull a FICO score. I looked and my fico score is way below than what it is supposed to be. its showing XXXX and it should be XXXX. Please adjust asap.

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 2025-03-09 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: IL

Complaint narrative:
I do not recognize these addresses please remove. Thank you 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My Identity was stolen and account was open in my name and my social was use to open account tried to report to the Navy federal and try and get it removed but they stated that it was charged off and sent to a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My student loans have been deferred for 18  years, always in good standing. I had to drop out of school 10  years ago to care for my son full time due to a life threatening XXXX disorder. I havent had taxable income for 10  years. Ive always deferred my loans who were with Nelnet. Sloan bought half of my loans and didnt inform me of monies becoming due. I had an email from XXXX stating I dont have monies due until XXXX. XX/XX/XXXX Nelnet listed XXXX or more lates on the same day and again in XXXX even though I made the late payments that I could afford. My income based repayment was never processed. I was never contacted by Sloan. My XXXX XXXX went down over XXXX points for their XXXX reportings. I made an almost XXXX payment just to buy time they still re - reported. I contacted Sloan and they stated due to their oversights they would adjust the lates to my credit report and they havent. I use credit to keep my son alive. Both Nelnet and Sloan agreed this shouldnt have happened as Ive always been in good standing for 18 years. I need my score to be adjusted so I can continue care for my child. I talked to Sloan again months ago and the latest were never removed. How is it fair to do this to someone. I am requesting help. Thank you so much for your time and XXXX  bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian 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. 
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 ExperianXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-03-09 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian 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. 
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 ExperianXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is a multibillion-dollar company without any competition and a huge amount of life changing power over tens of millions of consumers. In return they need to have proper oversight as they have not done with me. 

Enclosed is false information with XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The creditor XXXX which is XXXX XXXX XXXX XXXX already agreed to cease communication as I have sent a cease & Desist to the company about the alleged debt. Credit reporting is a form of communication and Equifax continues to report it even after the creditor agreed to remove it. This is a notice to Equifax that if they dont remove the account there will be legal action for violation of federal law. The cease & desist will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). I was scammed out of at least {$2500.00} in spring of 2024 and was not able to speak with anyone or address any problems. The process for disputes were unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I seek appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submotted a FTC complaint reporting the information i am not familiar with. 

Please find attached copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in national data breach and a validation of debt Letter.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to Block Fraudulent Information Under FCRA 605B Dear Trans Union Customer Service , I am writing to formally dispute inaccurate information on my credit report due to identity theft and fraud, as outlined in my recent complaint filed with the Consumer Financial Protection Bureau ( CFPB ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent accounts in question consist of : - XXXX XXXX opened date- XXXX - XXXX XXXX opened XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened date- XXXX These accounts have resulted in several unauthorized hard inquiries and fraudulent collections that appear on my consumer credit report. I do not recognize these accounts, as they were not opened by me and are the result of identity theft. 
For your review, I have attached a list of the hard inquiries and a copy of my consumer XXXX credit report, which highlights the aforementioned fraudulent items. Additionally, I have included a copy of my FTC identity theft criminal complaint number XXXX, which serves as proof that these accounts are the result of identity fraud. 
**Resolution Request** I hereby request that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Trans Union block all accounts, collections, and any hard inquiries related to the fraudulent activity identified in my CFPB complaint from my credit report within four business days of receiving this letter. 
Please send all written confirmation regarding this CFPB complaint to my email address at XXXX. 
Thank you for your prompt attention to this matter. I look forward to your swift action in resolving this dispute. 
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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the alleged debt reported on my credit file. Under 15 USC 1681i, your agency must validate any debt before reporting it. Congressional findings confirm that collection agencies can not report unverified debts. A billing statement is not valid proof of the alleged debt. You must provide legitimate validation, including the original signed agreement and a complete payment history from the original creditor. If you fail to provide this, you must remove the debt from my credit report immediately.

Additionally, under 15 USC 1681c, you can not report obsolete or outdated information. If the alleged debt exceeds the reporting time limits outlined in this statute, you must remove it at once. 

Provide proof that your agency is licensed to collect debts in my state of residence ( Hawaii ). If company is not legally authorized to collect in my state, remove the reported collection from my credit file immediately. 

The statute of limitations on all accounts has not expired, and none have been validated. If you can not provide proper validation, you must stop all collection efforts, remove late payments and delete any negative information, Charge-offs related to this account from my credit report without delay. A billing statement does not verify alleged debt. 

I am fully aware of the CFPB v. XXXX lawsuit, which reinforces consumer rights against inaccurate and unverified reporting. Any continued attempts to collect or report an unverified debt violate federal law. If you fail to comply, I will take legal action against your agency. 

You have 30 days from receipt of this letter to respond. If you do not comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This is your final notice. Take corrective action now. 

XXXX reporting XXXX XXXX XXXX, XXXX, JPMCB CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

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.

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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate.

15 U.S.C. 1681B ( 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 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 non-monetary relief
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am filing this complaint because my XXXX XXXX and XXXX accounts were reported as 30 days delinquent on my credit report. I attempted to resolve this issue by contacting both XXXX XXXX and XXXX to set up a payment plan before the accounts became delinquent. Despite my efforts, the late payments were still reported. 

I have already disputed these late payments with Experian twice, explaining that I took steps to address the payments before they became overdue. However, the negative marks remain on my report. I am requesting a review of this matter and the removal of the late payments from my credit history, as I made good-faith efforts to prevent the delinquency. 

Thank you for your time and assistance.

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 2025-03-09 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation