vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Improper Investigation of my Credit Disputes under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation of any credit disputes I submit. However, despite my efforts to resolve the inaccuracies on my credit report through multiple dispute submissions, your company failed to conduct a proper investigation. Instead, the information remained unresolved or was incorrectly reported. This failure has caused substantial damage to my creditworthiness and financial well-being. Despite my clear instructions and the supporting documentation I provided, Experian did not take the necessary steps to verify or correct the disputed information. As a result, I have been adversely affected by inaccurate credit reporting. In addition to the failure to properly investigate my credit disputes, I am deeply concerned about the exposure of my personal information during this process. Specifically, Experian released sensitive details, including but not limited to [ list specific information you believe was exposed, such as your Social Security number, birth date, account numbers, etc. ], without my authorization or consent. This breach of privacy has not only caused me emotional distress but also put me at risk for identity theft or fraud. 
This exposure of my personal information, coupled with the mishandling of my credit disputes, is a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I never checked my credit report. I checked it today when I received paperwork to be sued for an account I did not open. My information has been linked in more than two data breaches over the past few years also capital one XXXX XXXX XXXX  all keep charging off my account every month. There is a new charge off every month on the same account. Can you please review it? I am sending out letters today to every credit bureau. Between the fair credit act and law 1681 ( e ) b, how is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I never checked my credit report. I checked it today when I received paperwork to be sued for an account I did not open. My information has been linked in more than two data breaches over the past few years also XXXX XXXX XXXX XXXX XXXX  all keep charging off my account every month. There is a new charge off every month on the same account. Can you please review it? I am sending out letters today to every credit bureau. Between the fair credit act and law 1681 ( e ) b, how is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX XXXX  # XXXX with a balance of {$12000.00} XXXX  XXXX  XXXX  # XXXX with a balance of {$5600.00} XXXX XXXX XXXX XXXX  XXXX  # XXXX with a balance of {$11000.00} XXXX  XXXX  XXXX  # XXXX with a balance of {$730.00} XXXX XXXX XXXX XXXX  # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX Acct # XXXX with a balance of {$12000.00} XXXX  XXXX  Acct # XXXX with a balance of {$5600.00} XXXX XXXX XXXX XXXX  Acct # XXXX with a balance of {$11000.00} XXXX  XXXX  Acct # XXXX with a balance of {$730.00} XXXX XXXX XXXX Acct # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 2025-01-13 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: MOHELA
State: MN

Complaint narrative:
I have met the requirements for loans to be forgiven under PSLF. My employment certification forms verify that I have completed more than the necessary time in XXXX XXXXXXXX Only 116 of 120 payments have been counted due to SAVE forbearance. My only options have been to switch off SAVE onto different payment plan or to apply for XXXX  and I have submitted paperwork to do both of these. I have not gotten a response for either option. 
Submitted XXXX  Reconsideration request on XX/XX/24. Case # XXXX. I have contacted FSA weekly or biweekly since this request has been submitted. Originally I was told to wait 45 business days. After that time I was told that my case had been " escalated '' but was provided no information about what that means. I have asked for a supervisor to call me back on at least two occasions and that has not happened. I have been told conflicting things every time I call. I have been told that there is no one I can talk to who can provide me more information.

Submitted to switch off SAVE plan onto IDR repayment plan. Application was received on XX/XX/24. I have not been moved to a processing forbearance and have no information about when I might be moved onto different plan. 
This agency needs to be held accountable for holding student loan borrowers hostage with no options to move forward and no transparency. I have more than upheld my end of the agreement in my PSLF promissory notes. The delay in forgiveness is costing me both financially and emotionally. I am not able to make career decisions that would benefit me and the patients I care for because I am stuck. The lack of transparency and communication should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
XXXX  Installment Account Account # : XXXX Opened : XX/XX/year> Balance : {$220.00} This account is inaccurately reported as a charged-off account with a balance due. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that all information reported to credit bureaus be accurate. Please provide proof of the charge-off status, or, in the absence of such proof, update the account balance to {$0.00} or delete the negative payment status in accordance with 15 U.S.C. 1681c-2, which requires the reporting of accurate and verifiable information.

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 2025-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> the following companies inquired about my credit without my consent : XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  On XX/XX/year> the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/year> the following company imquired about my credit without my consent : XXXX XXXX XXXX  On XX/XX/year> the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/XXXX, XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MO

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-13 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: OH

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681c ( c ), and 15 USC 1681i . Despite multiple disputes submitted by me, Experian has failed to correct inaccuracies on my credit report, significantly harming me financially and emotionally. Their actions align with the recent CFPB lawsuit against Experian, which highlights their pattern of conducting sham investigations into consumer disputes. 

Specific Issues with Experians Reporting : Incorrect Collection Accounts from XXXX Funding : Experian is reporting two collection accounts from XXXX Funding that I have disputed multiple times. 
These accounts include inaccurate details such as the incorrect spelling of my name and addresses that I do not associate with. 

Despite my disputes, Experian continues to report these accounts without proper validation, violating 15 USC 1681e ( b ) ( requirement for maximum accuracy ). 

Failure to Correct Personal Information : My credit report contains incorrect spellings of my name and addresses I have no association with. 
Experian has failed to remove or correct this information despite prior disputes, violating 15 USC 1681c ( c ) ( exclusion of obsolete or inaccurate information ). 

Improper Handling of Disputes : Experian has failed to conduct reasonable investigations into my disputes, violating 15 USC 1681i.

Their failure to address these inaccuracies reflects the pattern described in the CFPB lawsuit, where Experian is accused of conducting sham investigations and failing to resolve errors on credit reports. 

Emotional and Financial Harm : Experians inaccurate reporting has caused me significant emotional and financial stress, including : Denial of loans and housing applications. 
Misrepresentation of my employment history, which has affected my professional opportunities. 

Emotional distress from repeated attempts to correct these errors and the ongoing harm to my creditworthiness. 

Being denied loans and apartments due to the inaccuracies. 
Emotional distress from repeated failed attempts to resolve these issues. 
Financial hardship caused by higher interest rates and rejection from potential creditors. 
Contact Information : Full Name : [ XXXX XXXX ] Current Address : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ] Phone Number : [ XXXX ] Email Address : [ 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 2025-01-13 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
An account that is closed can not be simultaneously past due, as closed accounts should not have ongoing payment obligations. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These companies have accessed my credit report without my authorization, and this has negatively impacted both my credit and my credit score. I previously contacted Experian about this issue, and their representative assured me that these inquiries would be removed. However, they are still appearing on my credit report, which is both frustrating and concerning. The presence of these unauthorized and fraudulent inquiries has caused me significant XXXX, as I fear I may already be a victim of identity theft. This added stress, coupled with the harm to my credit score, is completely unacceptable.

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 2025-01-13 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: FL

Complaint narrative:
I previusly disputed XXXX XXXX XXXX XXXX account they have posted to my credit report with adverse information. CFPB investigated my claim and the company responded telling me to contact National credit union administration. 

If XXXX XXXX can no validate ownership of this account. It should be removed. I am in the military and was over seas at the time of this account being open. I have attached a copy of my FTC report. 
The response is not in compliance with the FCRA

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 2025-01-13 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: FL

Complaint narrative:
I previusly disputed XXXX XXXX XXXX XXXX account they have posted to my credit report with adverse information. CFPB investigated my claim and the company responded telling me to contact National credit union administration. 

If XXXX XXXX can no validate ownership of this account. It should be removed. I am in the military and was over seas at the time of this account being open. I have attached a copy of my FTC report. 
The response is not in compliance with the FCRA

Company response to consumer: Closed with non-monetary relief