vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. However, the creditor, has failed to comply with IRS regulations regarding cancellation of debt. 

This account was reported as a charge-off, yet I have not received a Form XXXX ( Cancellation of Debt ) as required by the IRS when a creditor writes off a debt for tax purposes. If the creditor has claimed this charge-off as a loss on their taxes, then they must issue a 1099-C to me. Their failure to do so calls into question the legitimacy of their reporting. 

Disputed Account Details : Creditor Name : comenity bank XXXX XXXX Account Number : XXXX XXXX Reason for Dispute : Charged-off account without proper issuance of Form 1099-C Request for Immediate Action : 1. Immediately remove this charge-off from my credit report since the creditor has failed to provide proper documentation ( 1099-C ).

2. Provide written confirmation that this account has been deleted from my credit report. 
3. If the creditor claims the charge-off is valid, require them to provide proof of tax filing with the IRS, including a copy of the Form 1099-C issued in my name.

Failure to comply with this request violates both IRS regulations and the Fair Credit Reporting Act. If this issue is not resolved promptly, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies. 

I expect a written response within 30 days as required by law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
a company named XXXX XXXX has a inquiry on my report. i did not authorize this company to pull my credit report. this must be a phishing attempt. this was not me please remove this false 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 2025-02-09 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: MD

Complaint narrative:
a company named XXXX XXXX has a inquiry on my report. i did not authorize this company to pull my credit report. this must be a phishing attempt. this was not me please remove this false 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 2025-02-09 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-09 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my consumer report, I found that my name and address is being reported incorrectly. Furthermore, any accounts associated with those incorrect names and addresses should be removed per law 15 U.S. Code 1681i. If the account does not match my name and address I am clearly stating that I want it removed immediately. Thank you for your help in this matter. I have attached my driver 's license for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my consumer report, I found that my name and address is being reported incorrectly. Furthermore, any accounts associated with those incorrect names and addresses should be removed per law 15 U.S. Code 1681i. If the account does not match my name and address I am clearly stating that I want it removed immediately. Thank you for your help in this matter. I have attached my driver 's license for proof of identity.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
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: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I want to formally express my concerns regarding Zelle handling of the particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle, numerous of times, and reporting problems, my financial Institute failed To investigate my claims properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
My information was compromised by the XXXX Equifax data breach putting me at risk of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Certain transactions I would make with XXXX will sometimes be inaccurate maybe XXXX dollars more than what I originally paid. Also with my account I would have transactions that I would never make and from states that I was never in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

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 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 2025-02-09 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: MD

Complaint narrative:
there was a hard inquiry on my credit report the company name is XXXX XXXX XXXX I did not authorize this company to pull my credit report. this is a product of phishing. This is not me. please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX XXXX  that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!

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 2025-02-09 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: GA

Complaint narrative:
Subject : URGENT TransUnion Violating FCRA by Delaying Investigation Beyond Legal Limits Message : I previously submitted a dispute regarding inaccurate information on my personal credit report, and TransUnion responded by saying they need 60 days to investigate. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must complete dispute investigations within 30 days ( or 45 days in special circumstances ). 

TransUnion is violating my federal consumer rights by exceeding this legal timeframe. 

I demand that TransUnion : 1. Complete my dispute within the legally required 30-day period.

2. Provide documentation proving the disputed items are accurate or remove them immediately.

3. Explain why they are falsely claiming 60 days, which is non-compliant with the FCRA.

If this matter is not resolved within 15 days, I will escalate this to : The Federal Trade Commission ( FTC ) for regulatory violations. 
My State Attorney Generals Office for consumer rights violations. 
A federal lawsuit against TransUnion for FCRA non-compliance. 

I expect immediate action from the CFPB on this matter. 

Sincerely, 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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Under the 15 U.S. code 1692d I was affected by the writer 's strike was out of work for XXXX with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

The harassment I received up to this account being closed caused XXXX  trauma. They send cops to my house last week. Causing unnecessary problems!!! The calls are non stop. And the people are condescending and belittling!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am writing in response to your attempts to collect an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I hereby formally request verification and full documentation regarding the alleged debt.

Please provide the following documentation as required under federal law : 1. Forward Flow Agreement A copy of the agreement between the original creditor and any third-party debt buyers or assignees outlining the ongoing transfer and sale of debts.

2. Complete Chain of Assignments Full documentation detailing all assignments and transfers of this debt, including the names of all previous debt holders and proof of lawful transfer. This is required under UCC Article 9, Section 9-210, which grants the debtor the right to request an accounting of an assigned obligation.

3

. Purchase Agreement The agreement between the original creditor and the current debt collector showing the terms of the debts sale. Under 15 U.S.C. 1692g ( b ), I have the right to request this verification before acknowledging or making any payments. 4. Insurance Claim on the Alleged Debt Any records of an insurance claim made by the original creditor on the alleged debt, which would indicate whether the debt has already been compensated by an insurer or written off as a loss. 5. Proof of My Wet Signature A copy of the original signed agreement bearing my wet ink signature, evidencing that I entered into a contractual obligation to repay this debt. Under the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), 15 U.S.C. 7001, digital records must meet legal requirements, and I am requesting proof of any legally binding contract with my express consent.

Until you have provided these documents, I do not acknowledge ownership or responsibility for the alleged debt. As required by 15 U.S.C. 1692g, debt collectors must cease collection efforts until the debt has been fully validated. Any continued reporting of unverifiable debt to credit bureaus may constitute a violation of the FCRA, 15 U.S.C. 1681s-2, and could result in legal action.

Please provide these documents within 30 days of receiving this request. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your cooperation. I request that all future correspondence regarding this matter be made in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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:
I am writing to formally dispute and file a complaint regarding the unlawful reporting of a repossession on my credit report. This inaccurate and misleading information is causing significant harm to my financial standing, and I am requesting immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Details of the Dispute : Creditor/Reporting Entity : XXXX XXXX Account Number : XXXX Date of Alleged Repossession : XX/XX/year> Credit Reporting Agencies Affected : Experian, XXXX, XXXX, or all three Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( XXXX in XXXX of XXXX XXXX ) : I formally disputed the erroneous repossession with the credit reporting agencies, yet the furnisher has failed to conduct a proper investigation or remove the inaccurate information within the required timeframe. 
15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : The furnisher of this inaccurate repossession has reported false or misleading information to the credit bureaus, violating their duty to report only complete and accurate data. 

The furnisher has failed to correct or delete the inaccurate information after being notified of the dispute, violating the FCRA. 

Harm Caused : As a result of this unlawful reporting, I have suffered financial harm, including but not limited to : Denial of credit and financial opportunities Increased interest rates due to a lower XXXX XXXX Emotional distress from dealing with incorrect reporting and disputes

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 2025-02-09 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:
I am writing to formally dispute and file a complaint regarding the unlawful reporting of a repossession on my credit report. This inaccurate and misleading information is causing significant harm to my financial standing, and I am requesting immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Details of the Dispute : Creditor/Reporting Entity : XXXX XXXX Account Number : XXXX Date of Alleged Repossession : XX/XX/year> Credit Reporting Agencies Affected : Experian, XXXX, XXXX, or all three Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( XXXX in XXXX of XXXX XXXX ) : I formally disputed the erroneous repossession with the credit reporting agencies, yet the furnisher has failed to conduct a proper investigation or remove the inaccurate information within the required timeframe. 
15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : The furnisher of this inaccurate repossession has reported false or misleading information to the credit bureaus, violating their duty to report only complete and accurate data. 

The furnisher has failed to correct or delete the inaccurate information after being notified of the dispute, violating the FCRA. 

Harm Caused : As a result of this unlawful reporting, I have suffered financial harm, including but not limited to : Denial of credit and financial opportunities Increased interest rates due to a lower XXXX XXXX Emotional distress from dealing with incorrect reporting and disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
As of XX/XX/XXXXXXXX I have submitted formal complaints to FERPA and the Department of Education regarding a breach of my personal and financial information.

FERPA, explicitly protects confidentiality of student records. The recent breach is a clear violation of FERPA, resulting in the unauthorized access to financial aid data, as well as the Privacy Act of 1974. These violations have EXPOSED my personal and financial information, putting me at a significant risk of harm.

The exposure of my personal and financial information has left me vulnerable to identity theft, fraud, and other forms of financial harm. The burden of monitoring and securing my accounts now falls entirely on me, causing me significant stress and inconvenience.

This breach has caused me considerable emotional and phycological distress. The unauthorized disclosure of my private information, as well as my family 's private information, has left me feeling violated and anxious about the potential long-term consequences.

The unauthorized sharing of my student records and financial data could harm my reputation, both personally and professionally. This breach undermines my trust in the department of education 's organization and its ability to protect sensitive information.

I was not informed of this breach in a timely manner or at all, this represents a further violation of my rights. Many states and federal regulations require organizations to notify affected individuals immediately in the event of a data breach. 

This involvement of third parties, XXXX XXXX and XXXX, in this breach raises serious questions about the organization 's data security protocols and accountability measures. It is their responsibility to ensure that third parties handling sensitive data comply with ALL APPLICABLE LAWS AND REGUALTIONS.

Company response to consumer: Closed with explanation