vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete credit information on my credit report. I am concerned that you have included the following inaccurate details, and I demand that you verify the information under reasonable procedures to ensure maximum accuracy. Credit reporting agencies are required by law to report only 100 % accurate information. If the following items can not be verified as accurate, they must be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a )
( 1 ) ( A ), you are required to verify the accuracy of the information by providing physical proof of the original signed consumer contract. If no such proof exists, you must delete the account from my credit report immediately. Please send all responses via mail or email in a timely manner. 
I request verification of the following : A copy of the original signed consumer contract with my signature on it. 
Proof that the reported debt is valid and belongs to me. 
Additionally, the following accounts negatively impact my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of the verifiable contract, please remove these accounts from my credit file immediately. 

XXXX ) EQUIFAX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) EXPERIAN * XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) TRANSUNION XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$530.00} ( Last Updated XX/XX/XXXX ) Since this information is inaccurate or unverifiable, I request that these accounts be deleted from my report immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GA

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 XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish a 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 to any 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 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
That is not reporting on all three credit bureaus XXXX Equifax, XXXX XXXX I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I sent the following correspondence via certified mail on XX/XX/2025 to XXXX XXXX XXXX Midlands Credit Management I am writing in response to your recent communication regarding the alleged debt associated with account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide me with a copy of the original purchase agreement that legally binds me to this debt.

Please provide the following documentation as proof of the validity of this alleged debt : 1. A copy of the original purchase agreement that includes my signature, demonstrating that I am the legal owner of the debt.

2. A complete and itemized breakdown of the debt, including the principal balance, interest, fees, and any additional charges.

3. A copy of all terms and conditions that were originally agreed upon at the time of purchase.

4. Documentation of any and all transfers of ownership of this debt, including the chain of custody from the original creditor to your agency.

5. Verification that your agency has the legal authority to collect this debt in my state.

Until I receive the requested documents, I do not acknowledge ownership of this debt, nor do I authorize any payment or negotiation regarding it. Per the FDCPA, you are required to cease all collection activities until you have provided proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed him team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the XXXX XXXX XXXX including XXXX XXXX database that contains personal information of millions of students enrolled in federal student programs. My information was among that database that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I discovered that my personal information had been stolen from my mail and used to open several accounts without my authorization. After reviewing my credit report and noticing suspicious activity, I immediately began investigating the situation.I found that accounts were fraudulently opened with Security Credit ServicesXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have already contacted these companies to notify them of the fraud and have taken steps to dispute the accounts. I also reached out to the major credit bureaus-XXXX, XXXX, and XXXX-to place a fraud alert on my file and prevent further damage. As of now, I am still looking into additional potential fraudulent accounts that may have been opened using my information. This situation has been stressful, and I am working diligently to resolve it. I would appreciate any guidance or next steps that may help resolve this matter quickly. Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to 15 U.S. Code 1692g Dear Discover Bank, I am writing in response to a notice I received regarding an alleged debt associated with account number XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I formally request validation of this debt.

Please provide me with the following information : The name and address of the original creditor, if different from Discover Bank. 
The full amount of the debt, including a breakdown of principal, interest, fees, and any other charges. 
A copy of the original agreement or contract that legally obligates me to this debt.

Verification that Discover Bank has the legal authority to collect on this debt.

Any relevant documentation that proves I am responsible for this debt. 
Until I receive the requested verification, I dispute the validity of this debt and request that all collection activities, including reporting to credit bureaus, be suspended as required by law. 

Additionally, please note that all future communication regarding this matter should be in writing only. 

I appreciate your prompt attention to this request and expect a response within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have the rights to privacy 15 usc 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: SC

Complaint narrative:
This particular debt collection agency has contacted multiple people in my family after contacting me from a private number. They also provided a family member with my claim number without my consent, and stated that a locator is looking for me.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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 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 victim 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 605B of the Fair Credit Reporting Act.

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 2025-03-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  -- {$640.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$24000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$24000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$9700.00} XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX is the account I would like to mark as 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 2025-03-15 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: EdFinancial Services
State: CA

Complaint narrative:
**Subject : Edfinancials Fraudulent Practices & CFPBs Failure to Hold Them Accountable** Edfinancial, You are engaging in **blatant fraud**, and I am **demanding immediate action** against your **deceptive and illegal business practices. ** You have **falsely reported** late payments on my **paid-in-full, closed student loan**, and despite my dispute, you **failed to provide any documentation** proving your right to service my loan in the first place.

I never **agreed** to have my account serviced by you, and yet, you continue to **manipulate credit reports** and **damage consumers financial standing** with false reporting. Your actions are not just negligentthey are **criminal. ** The fact that the **CFPB** has allowed you to get away with this fraud is **beyond unacceptable**. Edfinancial should be **shut down immediately** by both the **CFPB and the FTC** for engaging in **deceptive financial practices** that harm borrowers. 

I am demanding : XXXX. **Immediate removal** of all fraudulent late payments from my credit report. 
XXXX. **Full documentation** proving your legal right to service my student loansomething you have **failed** to provide. 
XXXX. A formal explanation for your **fraudulent credit reporting practices** and **why you marked my CFPB complaint as a duplicate to cover up your wrongdoing. ** If this issue is not **resolved immediately**, I will : - File **another complaint with the CFPB** demanding an **investigation into your fraudulent business practices** - Report you to the **FTC for financial fraud** - Contact my **State Attorney General** to request legal action against your company - Seek **legal action** for willful violations of the **Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ** Edfinancial is a **fraudulent operation**, and I will not stop until you are held accountable. You have **10 days** to correct your fraudulent reporting and provide proof of your authority over my student loan. Failure to act will result in **legal consequences. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a professor of over 10 years and non profit of 22 years my STUDENT LOANS WERE FORGIVEN AND REMOVED XX/XX/year> and now the credit agencies have fraudulently placed student loans on my credit report while in the middle of purchasing my new home. Im also have been approved AND PROTECTED by XXXX XXXX XXXX OF UNITED STATES ADVERSARY PROCEEDINGS CASE NO XXXX CREDIT AGENCIES MUST REMOVE AND DELETE ALL STUDENT LOAN WITHIN LEGAL DAYS OF DISPUTE.

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 2025-03-15 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.

Complaint narrative:
I have been waiting over 6 months for my replacement card from InComm. Case # XXXX shows as 'resolved, ' but I have NOT received the card. I have called customer service over XXXX times, yet no one has provided any real assistance. The representatives are untrained, unprofessional, and unaware of company policies. 

I have made multiple reasonable requests : Expedited shipping via XXXX with tracking DENIED A virtual card for immediate access DENIED This delay is completely unacceptable. I demand an urgent resolution NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
On XX/XX/year> XXXX of the newly-formed Department of Government Efficiency ( DOGE ) accessed XXXX databases with extremely sensitive data on nearly XXXX XXXX student loan borrowers and their families. The information includes Social Security numbers and bank records. DOGE access breached the terms of contract regarding selling my information to another entity. 

Although there may not have been a specific monetary denomination exhanged to gain access to my loan information, external access by anyone other than my lender, was not authorized, nor was consent obtained from me, the account holder.

A breech in contract would nullify the loan and render the loan and its repayment terms canceled.

My PPI should not be viewed, used, disseminated, or reviewed at DOGE 's convenience for any reason without my consent. This was an abuse of power and position as a federal entity.

By DOGE accessing my student loans this creats a violation of terms under privacy, sensitive information and personal protected information. 

A link to associated articles is provided : SOURCE : 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 response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Govemment Eficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. Thank you

Company response to consumer: Untimely response