vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I attended XXXX  XXXX XXXX XXXX  XXXX and XXXX about my future and loans back around XXXX of XXXX. I was promised lifetime career placement, counseling and more but was left with a total balance : {$20000.00}, no job in the field and no way to contact the school that set me up with this debt. Actions taken by me has been, trying to keep up with the multiple companies this debt has been passed around to while my personal data gets gambled. I've disputed the outrageous loan amounts and searched for resolve on this debt. The same school that put me in debt was shut down by the XXXX XXXX XXXX and settled with XXXX XXXX XXXX XXXX XXXX ). Yet nothing has been done about the corruption and debt the students like myself are left with.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Mixed Credit File and Incorrect Accounts/Address Reporting Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information appearing on my Equifax credit report. My credit file appears to be mixed with another individuals, and there are multiple accounts and an address that do not belong to me. I have never had any affiliations with these accounts, nor have I ever resided at the incorrect address listed on my report. 

Incorrect Accounts to Be Permanently Deleted : XXXX XXXX XXXX XXXX XXXX Bank Credit Card ( Showing a Balance ) XXXX  XXXX Bank Credit Card ( XXXX Balance with {$600.00} Limit ) XXXX XXXX Account Incorrect Address to Be Permanently Deleted : XXXX XXXX XXXX, XXXX, CA XXXX These accounts and address do not belong to me, and their presence on my report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ), I am requesting an immediate reinvestigation and removal of these inaccurate items. 

Verified and Correct Accounts That Should Be Reporting on My Equifax Credit Report : Ally Financial Paid in Full, XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Accounts ) Paid in Full, XXXX XXXX XXXX XXXX  XXXX in Full, XXXX Balance XXXX Card Paid in Full, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance XXXX XXXX ( XXXX Accounts ) Closed, Paid in Full, XXXX XXXX XXXX XXXX Bank Closed, Paid in Full, XXXX Balance XXXX XXXX  Paid in Full, XXXX Balance Legal Violations Supporting My Dispute : 1. 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. The presence of incorrect accounts and addresses violates this requirement. 

XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item is found to be inaccurate or unverifiable, it must be deleted promptly. The accounts and address listed above are inaccurate and must be removed. 

XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) Credit reports must not include information that does not pertain to the consumer. Since these accounts and address belong to another individual, their continued reporting violates this statute. 

Fair Resolution Request : Immediate and permanent deletion of the incorrect accounts and address from my Equifax credit report. 

Written confirmation of removal within 30 days, as required by law. 

A reinvestigation and correction of my credit file to prevent further mixed reporting. 

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights. 

I expect your immediate attention to this matter and a prompt response within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state yourr permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
DOGE and XXXX XXXX illegally gained access to my personal and financial data which violates FERPA. I strongly believe that they are using our data for non-transparent reasons, and to possibly profit or benefit from it. DOGE needs to be held accountable for their illegal access of my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
DOGE and XXXX XXXX illegally gained access to my personal and financial data which violates FERPA. I strongly believe that they are using our data for non-transparent reasons, and to possibly profit or benefit from it. DOGE needs to be held accountable for their illegal access of my private 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 2025-03-14 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: GA

Complaint narrative:
DOGE and XXXXXXXX XXXX  illegally gained access to my personal and financial data which violates FERPA. I strongly believe that they are using our data for non-transparent reasons, and to possibly profit or benefit from it. DOGE needs to be held accountable for their illegal access of my private 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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Received XXXX calls from XXXX XXXX phone number, called back, someone answered as bank of America. 

I asked who called me, unknown. I providedy phone number, person said I had a checking account with that number. 

I asked how, I don't bank with b of a. Caller said don't know but there is an active checking account assigned toy cell phone. 

When I told them this was an unauthorized account I never opened, I was reporting as fraud, line went dead. 

Tried to call back, went straight to voicemail 3 times with mail box full. 

The number associated with this call was 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
XXXX XXXX, and his unqualified workers within DOGE, without proper legal authority have access to my personal information through their unlawful access to student loan information. Their access to this information breaks the contracts I signed to received federal loans and therefore nulls said contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX RE : Late Payment Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear TransUnion, Equifax & Experian, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date.

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXXXXXX XXXX XXXXXXXX Account # XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Apparently this card, a XXXX XXXX XXXX by XXXX XXXX XXXX ending in XXXX, was opened more than a year ago. I never received it. Last year I got an annual fee and called on XX/XX/year> to dispute the charge and say I NEVER RECEIVED NOR ACTIVATED any card. The agent CONFIRMS that her records show that I paid the annual fee, and REQUESTED A NEW CARD BE SENT, and that the company NEVER SENT IT. They acknowledge it right there in their own records, verified by customer service agent XXXX # XXXX that they NEVER sent the card. NOW, I got ANOTHER annual fee, which is {$99.00}, and I have never had, activated, nor made a purchase on this card. ... I asked if they would please waive the annual fee since I have not had the card, and send me a card. They said no. Even though they acknowledge there has never been any card in my possession, and that I called in XX/XX/year> about it and paid that year 's annual fee in hopes they would send the card, which they admit they DID NOT SEND, they still are charging me a {$99.00} fee. For a card that does not exist. That they acknowledge was never sent per their own notes. The only way to get out of this was to cancel the card, which will ding my credit report. I am reporting this so that this company is held responsible for ABSOLUTE THEFT of my first {$99.00} last year, and for hurting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This company continues to lie on these complaint replies. When an online banking check check is sent via XXXX XXXX the date on the check is the guaranteed delivery date. The check payment in XXXX is dated XXXX. I have checked with XXXX and their records show guaranteed delivery date on the specified date of the check. So, Prosper says they received the check on XXXX which is atrocious. So, they take their grand ole time taking in payments and charging fees because they force me to making paper statements. Attached is a signed affidavit from the USPS stating no paper statements have been scanned for my address. This company provides zero proof and only fluff and no results. I had debt settlement companies contact them so I can get it transferred to a place that takes payments in the internet generation. There is no cease and desist on the account ( another fabrication ). There has been zero hang ups on my end but rather on theres yes. They lost over {$400.00} worth of payments. I have sent screenshots from my online banking and they refuse to resolve anything. A stuttering XXXX old man called and left an incoherent message on XX/XX/XXXX. Just give me a dang website so I can pay electronically like a normal person. If you take multiple business days to apply paper payments that doesnt benefit me.

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 2025-03-14 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: TX

Complaint narrative:
Hello I received an email on XX/XX/year> and several phone calls from a Company with stated name DRB , LLC. I DO NOT have any Knowledge of said company or current business with them. I will not be furnishing my personal information to random companies or people. To want you to verify who I am with full name, Birthday, SSN & etc is crazy!! Scamming is at an all time and most request comes off as just that. Each point of contact is different. Got call from XXXX XXXX from ( XXXX ) XXXX to return call to ( XXXX ). In email its states ( XXXX ). I will not have any communication with this unknown company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation