vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Subject : Request for Removal of Accounts Included in Bankruptcy from Credit Report I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in XXXX  and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines. 

The following accounts were discharged through the bankruptcy process : - Prosper - XXXXXXXX XXXX  - JPMCB Card ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Chase - Credit XXXX XXXX XXXXXXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these discharged accounts, as I am prepared to pursue legal action if necessary. 

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing. 

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

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-02-23 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian, And Equifax LLC block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CXXXX XXXX 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 under the account number ( XXXX ), an auto loan account opened aXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX, XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of ( {$2600.00}, {$4100.00}, {$780.00} ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
. I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. Specifically, I am referring to the late payment reported on XXXX XXXX  account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report. Also, according to 15 U.S. Code 1666B - Timing of payments** ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due. If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts. Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this request. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXXreporting the card was changed off I requested a 1099c and to verify this account was updatednothing done they have yet to give me anythingbut its still reporting as negative on my credit report.. I would like it deleted from my credit report 15 us 1681 c2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
XX/XX/XXXXreporting the card was changed off I requested a 1099c and to verify this account was updatednothing done they have yet to give me anythingbut its still reporting as negative on my credit report.. I would like it deleted from my credit report 15 us 1681 c2

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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational rights and privacy act ( FERPA ) protects the confidential of student records. This breach is clear violation of ( FERPA ) and your responsibility to safeguard my information. 

Given this severity of this breach and the resulting compromised of my personal information and financial information, I request that you immediately cancel and discharge my student loans debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed this account on XX/XX/XXXX with both the company and Experian and have had no follow up to date. Experian you are now in violation of 15 USC 1681i for failure to investigate. Additionally XXXX XXXXXXXX XXXX debt violation practices were found to be LEGALLY DEFICIENT in XXXX XXXX XXXX XXXX XXXX XXXX XXXX literally less than a year ago ( XX/XX/XXXX ). The court dismissed the entire claim due to to incomplete verification, confirming that unvalidated debt must be removed. Experian now seems to be willing to let these predatory practices continue with their assistance after fully ignoring my previous dispute which included my FTC filing of identity theft.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding their continued reporting of an account that is beyond the statute of limitations for collection and legal action. Below are the details of the account in question : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$27000.00} Account Status : Closed Charged off as bad debt According to my records and applicable state laws, the statute of limitations for collecting this debt has expired. Despite this, XXXX XXXX XXXX continues to report this account as derogatory, which may negatively impact my creditworthiness and financial opportunities. This action may constitute an unfair or deceptive practice in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal and state consumer protection laws. Additionally, I ask that XXXX XXXX XXXX immediately cease reporting this account and remove any derogatory remarks associated with it. 

I have attached copies of my credit report for your review. 

In Illinois, the statute of limitations for debt collection depends on the type of debt : Written Contracts including auto loans is : 5 years ( XXXX XXXX XXXXXXXX ) Oral Contracts : 5 years ( XXXXXXXX XXXX XXXXXXXX ) Since auto loans are typically considered written contracts, the statute of limitations would generally be 5 years from the date of last payment. 

However, if the debt was charged off and no further payments were made after XX/XX/XXXX, the creditor should remove the debt.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I filed bankruptcy dated XX/XX/XXXX. Which was also my payday at my work. LVNV funding had issued a garnishment at my work for a collection debt I owed. The first garnishment payment they would receive would have been on XX/XX/XXXX. My work mailed the check for the garnishment on the morning of XX/XX/XXXX. I have my work all the information about my bankruptcy on the afternoon of XX/XX/XXXX. So it was to late for them to void the check they had sent. I alerted LVNV funding about my bankruptcy the day of the filling. I also explained to them that a check had been sent to them for a garnishment from my work. I let them know that I was protected by the automatic stay with my bankruptcy, and that they needed to issue me a refund of the XXXX that they would receive by check. A week went by and I did not hear anything from them, and no refund was issued yet. So I sent another email to them which I will include copies of the email I had sent them. In which I stated again the same thing on my first message. I also told them that they needed to send paperwork to my work releasing the garnishment. I received papers in the mail roughly a week and a half after that email from LVNV which was a release of garnishment. My work also received the same papers. Another week went by and still no refund. So I sent another email reiterating the same things I said in the first 2 emails. Except this time I told them I was going to file a complaint against there company with every government and state agency to ensure I received a refund. It has been one month now and I have not received a refund nor have I received a reply from any of my emails. I have called and left a voice mail also. Yet no call back from them either. They are a collection agency who has sued many people. They know the laws on bankruptcy. They know they are supposed to issue a refund to me. Yet they are blatantly ignoring me. My next complaint will be with the bankruptcy courts to hold them in contempt. Then also with any other agency needed. I will include a copy of my bankruptcy paperwork. A copy of my check stub showing they were sent money from my work. A copy of the writ of garnishment and screen shots of the emails I sent them. That should cover everything you need. If anything more is needed please let me know and I will promptly get it to you. I do not have a attorney for my bankruptcy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication aft
er a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I requested payment plan for the balance and Apple Card has refused to assist. 
They are charging me interest and I am requesting it to be removed until the assistance issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Inaccurate Late Payment Reporting by Comenity Capital Bank Dear CFPB, I am writing to file a complaint against Comenity Capital Bank regarding XXXX inaccurate late payment items on my credit report, stemming from the transition of my XXXX XXXX XXXX  account from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. These negative marks are unfairly damaging my credit score due to an issue beyond my control : my payment account information did not transfer properly during the switch, preventing timely payments despite my efforts. 
I have been a responsible account holder, consistently paying my XXXX XXXX XXXX balance on time before the transition. However, when Comenity took over, my existing payment detailssuch as autopay settings or bank account infowere not carried over. I was not adequately notified of new payment instructions or account access details in time to adjust, resulting in XXXX reported late payments. I believe this reflects Comenitys mishandling of the transition, not my payment habits. Numerous other XXXX customers have reported similar issues online, citing lost payment info and delays during this switch. 
I disputed these items with XXXX on XX/XX/XXXX providing evidence of my prior timely payments using XXXX XXXX XXXX records, but Comenity has not corrected the reporting. I also contacted Comenity at XXXX XXXX of XXXX to request a goodwill adjustment, but they refused to remove the marks or acknowledge the transition error. 
I request that the CFPB investigate Comenity Capital Banks practices during this XXXX account transition and compel them to : XXXX. Remove the XXXX late payment items from my credit reports with XXXX, XXXX, and XXXX. 
XXXX. Provide proof that my payment account information was properly transferred or notify me of their failure to do so. 
Attached are [ list any docs youre including, e.g., copies of my credit reports highlighting the late payments, payment confirmations from before XX/XX/XXXX, or correspondence with XXXX ]. My XXXX XXXX XXXX account number is [ insert if you know it ; otherwise, omit ]. Please assist me in resolving this unfair reporting issue and restoring my credit standing. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief