vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

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 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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have applied for a Personal loan with Navy Federal Credit Union On XX/XX/year> I will denied for there reason of Serious Delinquency, time since delinquency is too recent, ratio of revolving Balance. My score is XXXX I dont have these things on on my credit report at all I feel like they are discriminating an I feel like this need to be look into I have XXXX XXXX deposit into this account each month I feel like the Consumer Lending Team are Discriminating against credit applicants on the basic of race As I have good Standing credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am writing to express my deep concern regarding several unauthorized accounts associated with my personal information. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3- Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against [ Creditor/Debt Collectors Name ] regarding an account currently being reported on my credit report. I have submitted multiple written requests to dispute the validity of the alleged debt, requesting proper documentation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite my requests, the company has failed to provide legitimate proof of the debt, such as a signed contract or a detailed breakdown showing that I am legally responsible for the amount being claimed. Instead, they continue to submit previous billing statements, which do not satisfy the requirement for proper validation or verification of the debt. 

Additionally, there has been no evidence of a proper

investigation conducted into my dispute, and the company continues to report this information to the credit bureaus, which is damaging my credit profile. I am requesting the CFPBs assistance in compelling [ Creditor/Debt Collectors Name ] to : 1. Cease collection activities until proper verification is provided ; 2. Provid
e all legally required documentation proving I owe the alleged debt ; 3. Conduct a proper investigation into my dispute ; 4. Remove the account from all credit reporting agencies if they are unable to verify the debt in accordance with federal law.

Please find attached copies of my prior correspondence and any other documentation supporting my complaint. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX , TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1- Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2- Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3- Attached Documentation : I have attached the following documents to verify my identity and process my request : g. A copy of my drivers license or government-issued ID.

h. A copy of a recent utility bill or bank statement confirming my current address.

i. A copy of my Social Security Number.

6- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

7- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-08 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am filing this complaint as a victim of identity theft and as an elderly consumer, seeking the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus ' failure to correct fraudulent and harmful information reported on my credit file. 

Identity Theft Summary : Fraudulent Account : XXXX XXXX account ( Account No. XXXX ) opened on XX/XX/XXXX. I did not open or authorize this account. It is entirely fraudulent and the result of identity theft. 

Unauthorized Hard Inquiries : My credit file also shows XXXX unauthorized hard inquiries that I never initiated or approved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries are unauthorized, fraudulent, and damaging to my credit. I have never applied for credit with any of these companies on the dates listed or otherwise. 

My Rights as an Older Consumer : As an older XXXX, I am entitled to enhanced protections against identity theft, fraud, and abusive financial practices. The CFPB has made it clear that financial exploitation of older adults is a serious issue, and I am invoking my rights under : The Older Americans Act The CFPB 's Office for Older Americans guidance Enhanced enforcement of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act regarding consumer protections and identity theft for seniors Complaint and Demand for Resolution : I have submitted formal disputes and an FTC Identity Theft Affidavit to the credit bureaus, demanding that the XXXX account and the XXXX hard inquiries be removed immediately. Despite this, Experian has failed to act or properly investigate. 

I am requesting the CFPB to : - Enforce my rights under federal consumer protection laws. 

- Hold them accountable for its failure to respond to a verified identity theft report. 

- Ensure the permanent deletion of all fraudulent data from my credit file. 

- Apply additional scrutiny and protective measures considering my status as an elderly consumer. 

- This situation has caused significant distress, harm to my financial stability, and undue burden in correcting information I did not create. I request urgent assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am filing this complaint as a victim of identity theft and as an elderly consumer, seeking the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus ' failure to correct fraudulent and harmful information reported on my credit file. 

Identity Theft Summary : Fraudulent Account : XXXX XXXX account ( Account No. XXXX ) opened on XX/XX/XXXX. I did not open or authorize this account. It is entirely fraudulent and the result of identity theft. 

Unauthorized Hard Inquiries : My credit file also shows XXXX unauthorized hard inquiries that I never initiated or approved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries are unauthorized, fraudulent, and damaging to my credit. I have never applied for credit with any of these companies on the dates listed or otherwise. 

My Rights as an Older Consumer : As an older XXXX, I am entitled to enhanced protections against identity theft, fraud, and abusive financial practices. The CFPB has made it clear that financial exploitation of older adults is a serious issue, and I am invoking my rights under : The Older Americans Act The CFPB 's Office for Older Americans guidance Enhanced enforcement of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act regarding consumer protections and identity theft for seniors Complaint and Demand for Resolution : I have submitted formal disputes and an FTC Identity Theft Affidavit to the credit bureaus, demanding that the XXXX account and the XXXX hard inquiries be removed immediately. Despite this, Experian has failed to act or properly investigate. 

I am requesting the CFPB to : - Enforce my rights under federal consumer protection laws. 

- Hold them accountable for its failure to respond to a verified identity theft report. 

- Ensure the permanent deletion of all fraudulent data from my credit file. 

- Apply additional scrutiny and protective measures considering my status as an elderly consumer. 

- This situation has caused significant distress, harm to my financial stability, and undue burden in correcting information I did not create. I request urgent assistance in resolving this matter.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
checking/ saving/ account/ [ at XXXX XXXX ] is not under my name? 
They are under name of XXXX XXXX, as XXXX XXXX responded to c.f.p.b in XX/XX/year>. 
I had to to withdraw my complaint, Although bank realized that although it is my money, but since owned/ managed/ by court appointed guardian XXXX, my money, their name. 
For more than thirty years, rent is paid by XXXX and I pay internet, phone, tv, bills on time, never late or paid late fees for history of 30 years at least. 
Experian did not give one point or a XXXX of credit for that.

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 2025-04-08 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: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number- XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following :. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I called NCB management at XXXX to return a call and to get information about the debt they are claiming. The lady I spoke to was borderline rude but agreed she would send the email to me clarifying the debt claimed to be owed. I never received the email but instead she submitted a 'major delinquency ' to my credit report. I feel like she did this ij retaliation because she probably wanted me to settle it then on the phone and I informed her I was at work and wanted to review it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Accounts are all to old to be reported on my credit file XXXX filed bankruptcy and is closed still reporting old accounts thats not verified to me " I am requesting that you remove this debt from my credit report as it is over 7 years old and no longer accurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NM

Complaint narrative:
I recently was breaking down my statement and noticed that since XX/XX/XXXX my balance has not gone down. My last transaction was XX/XX/XXXX. My monthly payment has gone from {$30.00} to {$50.00}. I've noticed they charge a monthly service fee of {$15.00}, interest charge ( understandable ) and a " credit protection fee '' that has varied since last year. Based on my last statement my monthly payment was {$49.00}. I paid {$13.00} to credit protection, {$15.00} to a monthly maintenance fee and {$24.00} in interest fee on purchases. Which they are charging an interest fee on the credit protection. This totals {$52.00} a month. So leaving a - {$3.00}. So basically nothing is going into the principle balance. Yesterday I looked into my available balance and it was {$64.00}. Today it was {$13.00}. Looking into my XXXX statement payment due is {$50.00}. How is anyone going to get out of this credit card hole. No other credit card I have has ever charged these outrageous fees. I'm highly disappointed and feel this company is taking advantage of people. I've been with this card company since XX/XX/XXXX and noticed charges have varied. Attached below are all statements since I've had this account.

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