vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
DEPARTMENT OF EDUCATION / XXXX is in violation of The Privacy Act of 1974,. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ).

My educational records have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case.

Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose.

I revoke any and all consent written non written verbal or implied to share any non public information and ask DEPT OF EDUCATION/XXXX  to furnish wet ink evidence of consent to share with a third party.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I received an alert on my credit report of an collection account for Credence Resource Management that was added to my credit report. 

I contacted company informed them I do not know of any debt with them, and they said they sent letters to an address in XXXX, XXXX. I do not live there, nor I have I ever lived there. The address they listed, is a XXXX address. I have lived at my current address for over XXXX  years now, and previously lived in XXXX, XXXX. 

My rights are being violated, and my credit is being diminished due to this company for no reason. I have requested information from them to validate the account, but I informed them I have not had XXXX. I want this collection account removed immediately, or I will be contacting a consumer lawyer to seek appropriate remedy for my rights being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: PA

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 2025-03-31 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

1. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Company That Performed Inquiry : STELLANTIS FINANCIALD Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-31 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an account that was settled upon with a {$XXXX} balance. This account was to be deleted after payment, yet it is still reporting. XXXX and XXXX have both deleted this account. Due to the original agreement, I am requesting that the account XXXX is removed from my XXXX credit report immediately. I have attached the account for your reference showing the XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX BOUGHT THIS ALLEGED DEBT PORTFOLIO FROM A THIRD PARTY SERVICER AND THEY ARE REPORTING INACCURATE INFORMATION WITHOUT CONSENT TO DO. IN PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$XXXX} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, 2. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( 3 ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN SIX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I did not order a destinycard.com credit card. When I called the phone number, customer service did not help me. They say they are transferring me to the Fraud Department, then they disconnect the call. I don't know who this company is and they refuse to close the account and delete my information. I do believe this is fraud because I received several credit cards at once that I did not order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Fraudulent Activity Due to Data Breach** Dear Equifax, I am writing to formally dispute inaccurate information on my credit report resulting from the XXXX Equifax data breach, which exposed personal information of millions of consumers, including myself.

I am concerned that the breach has led to unauthorized accounts or fraudulent activity being reported under my name. Upon reviewing my credit report, I noticed discrepancies that may be the result of identity theft or fraudulent use of my personal information. 

Please investigate the following items on my credit report that I believe are incorrect due to the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquires are unauthorized as well and need to be removed immediately : XXXX XXXX XXXX The following accounts has late payments and I'm up to date with all my current cards : XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation and, if necessary, remove any fraudulent information from my credit report. I would also like to ensure that my credit file is properly flagged for potential identity theft, as I believe my information was compromised in the breach. 

Please provide me with a copy of the results of your investigation, including any changes made to my credit report, once your review is complete. In addition, please send me an updated credit report reflecting the corrections. 

If any further documentation or information is required to assist with your investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX in management at NCA. I requested an itemized list of charges made to this account that brought my balance to {$430.00}. NCA sent me a document only showing the balance owed. And had not provided me with an itemized list of detail charges that accumulated to this balance proving that I owe this debt. I contacted NCA again on XX/XX/XXXX and spoke again with XXXX to request the same information as stated previously, NCA sent me another document similar to the previous document sent XX/XX/XXXX. I have repeatedly requested for an itemize list of charges that amount to the past due balance of {$430.00}. I continue to just get an amount owed and nothing specifying that I owe this debt. I continue to dispute these charges in each month, NCA has reporting negatively derogatory comments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: M1 Holdings Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
A while ago, I had an issue with XXXX XXXX  XXXX. 

The account was charged off in the amount of about $ XXXX, and it was submitted to ChexSystems . 

I have since paid off that charge off, now that I was able to get into a better financial situation, and I had asked that XXXX XXXX XXXXXXXX remove my information from the ChexSystems report. 

It still hasn't been removed.

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 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Debt collector is falsely claiming I have debt. XX/XX/2024 amount is {$730.00}. 
This debt is false, and I will not pay it. 
I am a responsible borrower and understand debt, however this collection is false or a scam. 
My main concern is crime through debt collection, if my record is known I pay my debts. 
Again, this could be a scam or attempted thief. 
I will not pay this debt as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$2200.00} in cash into a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX The ATM malfunctioned : it accepted my cash, printed XXXX receipt confirming a deposit was made, but showed no dollar amount on the receipt. I stayed at the machine, afraid to leave, and immediately called the number on recovery but was told by staff on the line to go. 

The deposit was briefly credited to my account, then later reversed without explanation. I have contacted Chase multiple times. Most recently, the Complaint Department told me they could not locate the funds and had not reviewed surveillance footage. They refused to escalate or provide written documentation and referred me back to the Claims Department, where the cycle started all over again.

I have followed all procedures, acted in good faith, and now feel scammed and unsupported by a bank I trusted. Im requesting a formal investigation, full documentation of Chases findings, and that my funds be returned. This issue is causing significant financial and emotional distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding a debt that Cavalry Portfolio Service is attempting to collect. I formally disputed this debt in writing on XX/XX/year>, requesting proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. However, the collector has failed to provide sufficient proof that I owe this debt, yet they continue to attempt collection and/or report it to the credit bureaus.

The debt collector has not provided : Proof that I owe this debt ( such as a signed agreement or contract ). 
A complete breakdown of the debt amount ( including principal, interest, and fees ). 
Documentation that they have the legal right to collect this debt. 

Despite my dispute, the collector continues to ( describe any violations, such as call me, and emailing repeatedly, report inaccurate information to the credit bureaus, or threaten legal action ). Their actions violate federal consumer protection laws, I am requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: PA

Complaint narrative:
Hi, I've received what appears to be a phone scam call from this company, registered with XXXX for a debt I do not owe. The company is spoofing their phone number to look as though it is coming from a Pennsylvania location. The phone number for the company is under the name XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The spoofed number is XXXX in XXXX XXXX XXXX, XXXX while the company is actually in Florida. 

I called the office number : XXXX number only to hear that the voicemail is full. 

Why would a company in Florida who says I owe them money use a spoofed PA. phone number and refuse to give me a mailing address and refuse to send a paper bill? 

I asked for a written bill and was told they do not send out anything in writing ( in violation of the debt collection act ). I have also filed with the FTC and Pa. Attorney General 's Office. 

This company is using a XXXX registered URL to perpetrate fraud under this name : Global Processing Services https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
Credit Co Management Debt Purchased A Medical Debt From 2016. Thats Too Old To Be On My Credit Report And They Are Reporting It As Open. Which Is A FTC Violation 15 USC CODE 1681S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CARDS/CITBANK is in direct violation of theThe Privacy act of 1974 and following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

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