vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I bought four XXXX Vanilla Visa Gift Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Due to a cashier 's mistake, one of the cards I received was not activated, and the cashier kept one activated card with {$500.00} on it. 

After realizing this, I reported the missing card to InComm XXXX XXXX, and they opened a case XXXX XXXX XXXX XXXX. I provided all the required documents, including a copy of my drivers license, receipts, and photos of the three working cards. Despite this, InComm repeatedly asked for the same documents each time I followed up. They have never reached out to meI always have to call them for updates. 

I have been out {$500.00} since XX/XX/year>. Every time I contact InComm, they either tell me to wait another 30 days or ask me to resend my personal information. It has now been over 90 days with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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.

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 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

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.

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 2025-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Auto loan was paid for 5.5 out of 6 years, then the vehicle was given back to lender. Lender then sold the vehicle at an auction, I then requested a deal pay-off for balance. After half of the pay off agreement was paid, the lender decided to declare the vehicle amount as a Loss and charged off the remaining debt. 

the Debt collection company decides to purchase the " charged off debt '' and pursues to collect the debt from me. This debt has already been accounted for per Lender sale of vehicle and payment from me, as well as the 1099 c tax charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Received letter in mail that an appilication for credit was pending. I did not apply for this credit card. This is Fraud. 
Comenity Bank XXXX XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was on the phone with Experian XX/XX/25. I called and asked questions on how if I had a Freeze on my credit report, how didn't my score go down. They passed me around on the phone to different people and never answered my question. That is a major Breach of Security. My sensitive private information is Definitely Breach of Data. It's no way my score went from XXXX with Freeze on to XXXX. All of my Personal Data was accessed without my Prior Authorization. Under the FCRA Section 604 ( Ax3 ), FCRA Section 606 ( c ) and list of other violations that have occurred with this data Breach.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is the only bureau reporting multiple inaccurate collection accounts on my credit report, which is preventing me from getting a mortgage. I have disputed these accounts multiple times, but Experian refuses to validate or remove them. When I call or try to submit disputes online, they provide no resolution and often block the process with errors. 

The accounts in question are from 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  Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure all information is accurate and verifiable. Since they are the only bureau reporting these debts and can not provide proper validation, they must delete them. 

I request an investigation into Experians failure to comply with FCRA and demand removal of these inaccurate accounts.

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 2025-03-20 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: AZ

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 2025-03-20 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to report a data breach that has exposed my personal information, which I believe violates my rights and privacy. On the week of XX/XX/year>, I learned that XXXX XXXX, who is not an employee of the government, infiltrated the US Department of Education loan records and pulled personal confidential information which I did not give written consent. My rights have been violated and were not protected by XXXX or the US department of education. XXXX XXXX XXXX access to internal systems containing personal information on tens of millions of Americans is a direct breach of violation. 
All of my personal sensitive information like address, phone number and social security information was shared and disseminated. 

This incident has caused me significant concern, as it could lead to identity theft, financial loss, and other privacy violations. I request to have all my loans forgiven and dissolved and completely removed from your system. I also request that the XXXX Department of Education investigate this data breach and take appropriate action to prevent future incidents by not allowing XXXX XXXX access to civilians personal information without consent. I have filed a complaint with XXXX, Nelnet and XXXX Department of Education. I will be contacting my states general attorney and any other civil rights organization to make aware of this violation. 

I would also appreciate any information regarding the steps the department has taken or plans to take to address this breach. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-20 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
THIS IS AN ADDED DISPUTE TO THE DISPUTES THAT WAS SUBMITTED ON XX/XX/year> ... XXXXADD THIS DISPUTE. ALSO, THERE'S an unverifiable hard on my report that needs immediate attention. I WANT ALL HARD INQUIRIES THAT ARE NOT LINKED TO AN OPEN ACCOUNT REMOVED/ TERMINATED. 
XXXX XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIABLE ACCOUNT NO CONSENT AND INVADING MY PRIVACY XXXX XXXX  XXXX Acct # XXXX ) TERMINATE/ REMOVE IMMEDIATELY FALSE DATA ENTRY XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIBLE LATE PAYMENT DATA ENTRIES YOU COMPANY HAS LAWS AND REGULATIONS THAT MUST BE RESPECTED TO ALL CONSUMERS UNDER **Failure to Provide Verifiable and Accurate Documentation ( 15 U.S.C. 1681i ) ** Charge-Off Violations and IRS Guidelines ( 26 U.S.C. 6050P ) Under IRS - _ - - Code 26 U.S.C. 6050P, creditors must issue a 1099-C for charged-off accounts if the debt was canceled or written off. If your agency is reporting a charge-off without providing a 1099-C, this constitutes fraudulent misrepresentation. 
If insurance was claimed on these accounts, the balance must legally be reduced to {$0.00}, and reporting otherwise is a violation. 
- You must provide original signed contracts, payment history documentation, and proof of ownership of debt per Metro 2 Compliance guidelines. If you fail to produce such documentation, the law mandates immediate deletion. 
**Unauthorized Use and Sharing of My Data ( 15 U.S.C . 1681b, FCRA 604 ) - My personally identifiable information ( PII ) has been used and shared without my express written consent. This violates FCRA 604 ( a ), which limits the permissible purposes for accessing my credit report. 

- Metro 2 Compliance and UCC prohibit the improper sharing of consumer data, mandating that any unverifiable or unauthorized data must be immediately deleted. 

**Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) As a data furnisher, the burden of proof lies with your agency to provide verifiable, lawful documentation proving the validity of these accounts. 

If you can not provide direct, certified documentation proving the legitimacy of these reported items, you are in violation of 15 U.S.C. 1681s-2 ( b ), and you must delete and block these accounts from my report immediately. ( CDIA # XXXX ) certified your company is not in compliance with the law. 
***FALSE DATA ENTRY*** Unauthorized Hard Inquiries I have one auto loan and was approved for one vehicle, not multiple vehicles. I did not apply for multiple cars. 

Please immediately remove and delete all hard inquiries that are not linked to an open account, or I will pursue litigation for false data entry and damage to my creditworthiness.

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 2025-03-20 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:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-20 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2025-03-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) credit reporting agency, 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. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. Another fraudulent account is an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$12000.00}. Additionally, there is a collection account with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, with a balance of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief