vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that my personal information was compromised as a result of the Equifax data breach. I have reason to believe that this breach has directly led to fraudulent activity involving my identity.

Recently, I became aware of several accounts that were opened in my name without my knowledge or authorization. I did not apply for these accounts, nor did I grant anyone permission to use my personal information for such purposes. These fraudulent accounts have caused significant distress, and I am deeply concerned about the ongoing impact on my credit and financial wellbeing.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly. Additionally, I would appreciate any guidance or assistance you can provide in helping me resolve the fraudulent activity and restore the integrity of my credit profile.

I have already taken steps to report the fraudulent accounts to the relevant financial institutions, and I am in the process of filing identity theft reports with the Federal Trade Commission ( FTC ) and the credit bureaus. I would like these account removed within 4 days.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts being reported incorrectly on consumer report Accounts reporting inXXXX XXXX XXXX XXXX ( Revolving ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency None Reported Balance {$610.00} Credit Limit {$750.00} Credit Utilization 82 % More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary Equifax XXXX XXXX Last Updated XXXX XXXX XXXX Payment Status Pays account as agreed Worst Delinquency None Reported Balance {$0.00} Credit Limit XXXX Payment History More Details XXXX XXXX XXXX XXXXClosed XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX  Last Updated XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency XXXX days past due Balance {$0.00} Credit Limit {$300.00} XXXX Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX  XXXX Updated XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency XXXX days past due Balance {$0.00} Credit Limit {$300.00} XXXX Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX XXXX XXXX Payment Status Charge-off Worst Delinquency None Reported Balance {$0.00} Credit Limit XXXX Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$370.00} Credit Limit {$300.00} Credit Utilization 123 % XXXX Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX XXXX XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$3400.00} Credit Limit {$2600.00} Credit Utilization 132 % XXXX Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency None Reported Balance {$0.00} Credit Limit {$300.00} XXXX Payment History More Details First XXXX XXXX XXXX ( Revolving ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX XXXX XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$1000.00} Credit Limit {$700.00} Credit Utilization 148 % XXXX Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX XXXX XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$860.00} Credit Limit {$600.00} Credit Utilization 145 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I settled and paid my JPMCB CARD account in full. However, it is still being reported as settled and written off, which is misleading and damaging my credit. The account should reflect a paid {$0.00} balance or be removed entirely. I have disputed with the credit bureaus and requested a goodwill removal from Chase, but it remains derogatory. This violates the Fair Credit Reporting Acts requirement that only accurate and fair information be reported. Please assist in having this account properly updated or removed to reflect my true payment and resolution status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account 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 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 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 Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account Portfolio Recovery Association account # XXXX and account # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX and account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
My two loans had a principal of {$4500.00}. They are now {$9100.00}. This is because XXXX repeatedly steered me into the wrong types of forbearances. They sold my loan to Aidvantage ( of course, immediately before they are barred ) who refuses to help me. This is criminal. I fulfill every single requirement for the loans to be discharged through the settlement yet never received any word of this. XXXX promptly sold my loan to Aidvantage who immediately capitalized ALL my interest that XXXX forced me into. As you know they have been barred from Federal loans because of how they deceived people like me. Again, I fulfill EVERY condition of the XXXX adjustment. Why is nobody helping me at CFPB? Why is XXXX and Aidvantage allowed to consistently break the law and charge me unlawful amounts? Where is my protection?!?!?!??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NC

Complaint narrative:
To : Kikoff Subject : Request to Update Accurate and Complete Payment History with All Credit Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX Dear Kikoff Customer Support / Credit Reporting Department, I am writing to formally request that you update and verify the complete and accurate payment history for the above-referenced account with all three major credit reporting agenciesXXXXXXXX XXXX XXXX XXXXin compliance with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to my records and the information reported, this account was paid in full with a {$0.00} balance and had consistent, on-time payments throughout its lifecycle. However, the reporting appears inconsistent across the three bureaus, and certain positive payment history entries are missing or incomplete, particularly on XXXX XXXX XXXX.

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a duty to ensure the accuracy and integrity of the information they provide. Additionally, per FCRA 1681i ( a ) ( 1 ) ( A ), if you are notified of a dispute or potential inaccuracy, you are required to investigate and correct the data if it is found to be incomplete or inaccurate.

Requested Actions : Please immediately : Verify and confirm the complete on-time payment history for this account with all three credit bureaus.

Ensure the account is clearly reported as " Paid in Full, {$0.00} Balance, Closed in Good Standing. '' Include all monthly on-time payments and accurately reflect positive payment history from account opening in XX/XX/XXXX through XX/XX/XXXX. Ensure consistency across XXXX XXXX XXXX XXXX  with proper formatting and reporting of dates, credit limit, payment status, and closed date. I respectfully request this be corrected and updated within the time frame allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 XXXX 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 2025-05-04 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 XXXX 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 2025-05-04 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XXXX XXXX, XXXX With a balance of {$0.00} Account number XXXXXXXX XXXX  XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$4800.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1300.00} Account number XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1000.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$3800.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$3000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MA

Complaint narrative:
I had filed a complaint against XXXX XXXX XXXX ( XXXX Credit Card service provider ) alleging the company that its representatives who follow the company 's policy ignore customers ' request for reasonable accommodations under the XXXX with Disabilities Act. 

The response that XXXX XXXX XXXX had provided, the copy of which is attached, describes some other topics related to my credit card application and never addresses the fact that the company is discriminating against consumers who are not fir the profile of XXXX XXXX XXXX ' " typical '' customers. 

I addition, the XXXX 's response referring to my application mentions " The address provided must also be the physical address where you reside ''. This indicates that the company discriminates against consumers who do not maintain a permanent place of residence. Some of the company 's representatives I spoke with manifested prejudices against citizens who do not maintain a permanent physical place of residence by assuming that that class of citizens is a group of people who reside in " homeless shelters '' and required me to provide a letter from a " homeless shelter ''.

Please note that 1020.220 Customer identification program requirements for banks ( 31 CFR 1020.220 ( a ) ( 2 ) ( i ) ( A ) ( 3 ) ) defines the address verification requirements as follows : Address, which shall be : ( i ) For an individual, a residential or business street address ; ( ii ) For an individual who does not have a residential or business street address, an XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  ) box number, or the residential or business street address of next of kin or of another contact individual ; So there are no regulatory requirement that an individual applying for a credit card must have a residential address.

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 2025-05-04 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 2025-05-04 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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I told Security Finance to stop all communication with me. They received my request but continued to contact me anyway, which violates 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act. I dont have the full account number, but its listed on my XXXX XXXXXXXX XXXX credit report as a collection from Security Finance Corporation , opened around XX/XX/year>, with a balance of $ XXXXthis should be enough for them to identify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate XXXX late payment reported by Equifax for my XXXX XXXX XXXXXXXX XXXX ) credit account XXXX dated XX/XX/year>. This late payment does not appear on my Experian or TransUnion reports, and I have no record of a missed or late payment during that time. 

I submitted a formal dispute to Equifax requesting an investigation and correction under my rights per the Fair Credit Reporting Act ( FCRA ). However, they did not remove or correct the error, nor did they provide any documentation validating the accuracy of the reporting. 

This negative mark is materially affecting my credit standing and appears to be incorrect or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XXXX/XXXX/2022

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 2025-05-04 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief