vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I made complaints about mostly all the inaccurate information on my credit report and when it comes to how companies are allowed to accuse and put things on your credit file that are not true such as evictions payments owed responsibility of debt. It is always our word again these reporting companies and consumers ' credit scores. It is a shame and immoral that CFPB and investigations by them and other agencies are always siding with companies even though that are purposely messing up peoples ' credit by filing inaccuracies, nonsense, and companies abusing their power when you bring up systemic issues and oppressive situations to them then they retaliate by abusing your credit file. It is also systemic oppression to try to keep consumers especially certain consumers credit files low or at high risk levels. I have been trying to address these practices for years and that's why I won't settle accounts of companies who were being systemic oppressive and tried to ruin my credit file purposely, harassing me like I really owe majority of these debts and dragging my score and file down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Creditor/Collection Agency : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] Balance Reported : [ {$420.00} ] Reasons for Dispute & Legal Grounds for Deletion : Verification Failure : Under FCRA XXXX ( 15 U.S.C. XXXXi ), you are required to verify the accuracy of any reported item. I demand written proof, including the original contract bearing my signature. If this can not be provided within XXXX days, the account must be removed. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : If the collection agency has engaged in harassment, misrepresentation, or improper reporting, this violates 15 U.S.C. XXXX. Any inaccurate, incomplete, or unverifiable information must be removed. 

Incorrect or Outdated Information : The FCRA limits negative reporting to XXXX years ( 15 U.S.C. XXXXc ( a ) ). If this account exceeds that timeframe or has incorrect details, it must be deleted. 

Consumer Financial Protection Bureau ( CFPB ) Protections : The CFPB requires fair and transparent reporting. If this debt was sold or transferred without proper validation, it can not be reported legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I opened case XXXX with InComm because XXXX of my cards were compromised without my authorization. Despite taking a long time to review, InComm denied my case and provided no real help. Just take a look at their reviewsyoull see how poorly they handle fraud cases ( if theyre not the real scammers themselves ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Help Financial, LLC
State: NY

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX in XXXX, they took advantage of me by charge me what I didnt ask for and send the wrong rounding number, and then they bank first help financial charges me late fees for insufficient funds, that was not true, they didnt want to wave the charge plus no manager was available, after numerous calls finally spoke with one manager and she told that the financial person at the dealer sent them and I signed it, my question is, as a big financial company they couldnt see the error in the beginning, they had my statement from the bank, my SS, my address, i am reaching out to you for help, i bought cars before I never got robbed like this, please help me, the dealer and the financial bank both do me wrong by the way i bought XX/XX/XXXX the first payment was XX/XX/XXXX, and i took the car to service 3 times with the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: VA

Complaint narrative:
My personal information was disclosed during a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-02 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXXXXXX is reporting various dates of last payment across the different bureaus as well as different dates of last activities. 

XXXXXXXX XXXX is reporting various dates of last activity and some are reporting dates of last payment while others are not. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Credit Control, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Subject : Cease and Desist Notice Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, This letter serves as a formal notice to Credit Control , LLC to immediately cease and desist all collection activities and any further reporting of inaccurate information regarding the alleged debt associated with me. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me, my family, my employer, or any third parties regarding this matter. Any further attempts to collect this disputed debt or to contact me in any formwhether by phone, mail, or electronic meanswill be considered a direct violation of my rights under federal law.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to the credit reporting agencies. If you continue reporting erroneous, unverifiable, or fraudulent information, you will be in violation of the FCRA. I demand that you : 1. Immediately delete any inaccurate, misleading, or unverifiable information you have reported to the credit bureaus.

2. Provide validation of the alleged debt, including a full account history, itemization, and evidence of my contractual obligation to pay.

3. Cease all collection efforts, as this alleged debt has been disputed and may be associated with identity theft. 

Failure to comply with my request will leave me with no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as seeking legal action for damages under the FDCPA and FCRA. 

This letter serves as legal notice. Any further unauthorized collection attempts or continued reporting of unverified information will be considered willful noncompliance, subjecting your company to statutory damages, attorneys fees, and additional relief as permitted by law. 

You have 30 days from receipt of this letter to comply. Failure to do so will result in further action. 

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 2025-03-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/25 after reviewing my Credit Report I found CITICARDS CBNA showing {$4000.00} as an account listed on my Credit with XXXX. I contacted the reporting Company informed them the Account is NOT my account, the information is inaccurate, False information that has effectively caused a drastically negatively impacted my Credit Score and my Financial well being. Citicard Agent XXXX ID # XXXX did confirm the Account is Not my account and could not be founded but was nothing the agent could do I needed to contact 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 2025-03-02 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXXSC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: KY

Complaint narrative:
My privacy was violated and my rights were violated as far as privacy to my information goes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: KY

Complaint narrative:
My privacy was violated and my rights were violated as far as privacy to my information goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student record and personal privacy. 
Under the following legal protections, my information should have been safeguarded : XXXX XXXX XXXX and XXXX FERPA ) : Ensure the confidentiality of student record and probits the unauthorized disclosure of personal information. 
XXXX XXXX XXXX ( XXXX ) Establishes the responsibility of educational institutions and loans servicers to protect student data. 
Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 
Breach of XXXX : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 
Given the severity of this data breach and failure to uphold federal protection, I formally requested the immediate discharge and cancellation of my student loan debt in full. Complete removal of all advantage related entries from all three of my credit reports. 
Please provide written confirmation of receipt of this dispute, as well as information regarding the next step in the resolution process. 
I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
We parked in a city of XXXX XXXX lot ... and we came out with a ticket from an outside agency. It was a scam and has been going around XXXX XXXX -- - and they sent the dbt to a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Subject : Request for Removal of XXXX Late Payment from Credit Report, Account ending XXXX I am writing to you today to request your assistance in rectifying a recent discrepancy on my credit report. 

This card had a fraudulent charge on it from XX/XX/XXXX for a single transaction of {$2000.00} to XXXX XXXX. I was unaware there was a balance on the account until it reported past due. At which time I contacted XXXX through the online chat to dispute the charge. I was told the dispute was submitted but the charge never came off my card and the late charge never removed. I reached out again through online chat and they said they never saw the original dispute and it was now too late to dispute the amount. I made a request to view the transcripts on the chat with the previous representative, but they were unable to provide that. 

The dispute has concluded in my favor and a new account has been issued. The 30-Day Late Payment from XX/XX/XXXX has been removed from my XXXX and XXXX Report but is still reporting on my Experian Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX for account XXXX was paid in full now has XXXX balance Im disputing on my credit remove to have remove and someone keep saying its accurate when its not.. the account was paid in full XXXX and the balance is XXXX I have proof of this transaction bank statement, and statement and transaction receipt from online information services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-03-02 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: MD

Complaint narrative:
I never received my signed signature, original contract, or any information about the accounts below that are inaccurately reporting as a debt per my request. These accounts are deceptive, misleading and fraudulent. 12 CFR 1006.6C Please stop calling me before XXXX and after XXXX. Cease and desist. The below account are being reported without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Credit Account - Closed Other XXXX XXXXXXXX XXXX XXXX Credit Account - Closed Other XXXX XXXX XXXX XXXX Credit Account - Closed Other XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation