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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not responsible for this debt, nor do I have a contract with XXXX XXXX XXXX Account # XXXX. Could you please request that they provide the original contract bearing my signature, along with the correct home address as shown in the uploaded documents, that clearly states that I have agreed to pay them or owe them any money. If they can not provide proof of original contract I demand correction to my credit report and the account to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I spoke with a banker at Navy Federal Credit Union and told her that my XXXX XXXX XXXX was XXXX and my XXXX credit score was XXXX. My Experian credit score is not available because XXXX is hiding it. The banker told me that NFCU does not use XXXX so I applied for a credit card and was denied yet again. The truth is that banks like NFCU in collusion with the credit reporting agencies want to keep the credit pool as small as possible probably as much as XXXX percent of applicants are denied for no reason. The first thing to know about the credit reporting bureaus is that much, perhaps even all, the information that finds its way onto a credit report are not debts or delinquencies but disputes with the businesses having the upper hand because they are clients of XXXX et al. The second thing to understand is that when the consumer disputes an item it is verified by the collection agencies who dont know a thing about the circumstances that led the erroneous reporting. After diligent work removing the false item or the passage of seven years the consumer is again victimized by banks like NFCU and all the others on the grounds that a ) there is no credit history a situation the the banks themselves are responsible for b ) consumer credit is too recent and or there are too many inquiries tagged as hard. In my case the credit card I applied for was denied by NFCU which is supposed to be a credit union causing my credit score to plummet by XXXX points. To repeat : the big banks and the credit reporting agencies are engaged in a conspiracy to deny credit to XXXX percent of applicants. What would be a sufficient credit history they dont say. What is too recent? Perhaps ever? Why are credit inquiries too many and why do these hard pulls cause a credit score to plummet. The credit reporting agencies and banks try out marketing strategies that lure the consumer to damage his credit simply by having the temerity to apply for a card. These banks are corrupted and so are the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute my federal student loan obligations through loan servicer Aidvantage due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: DE

Complaint narrative:
Account was closed due to suspicious payment history line was for {$200.00} used for gas and was paid off multiple times before due date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX XXXX  2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed incorrect, unauthorized, and inaccurate account information relating to fraud and identity theft resulting in damage to my credit file.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed incorrect, unauthorized, and inaccurate account information relating to fraud and identity theft resulting in damage to my credit file.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Experian XXXX and XXXX have a negative credit card debt on my account from TOTAL VISA of {$300.00} thats not mine Ive disputed it but no response or results

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NM

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXXXXXX

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
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 your 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 2025-03-02 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: MI

Complaint narrative:
Equifax Credit Bureau XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX I am writing to formally dispute inaccurate information on my credit report that i believeis harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against experian for its failure to properly investigate consumer reports, citing " sham investigations '' and other unharmful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemicissues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute was mishandled in a similiar matter. 

Pleas review the innaccurate infomation being reported.

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: FL

Complaint narrative:
Please see attached ID Theft Report I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter ( XX/XX/year> ).

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: FL

Complaint narrative:
Please see attached ID Theft Report I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter ( XX/XX/year> ).

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 — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I requested not be contacted by synchrony bank I will attach proof of calls made to collect a debt after I request or contact to cease I also requested a validation address purchase agreement of debt synchrony bank failed to provide.

15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer credit information. This section of the U.S. Code specifically addresses consumer reporting agencies ( CRAs ) and their duties regarding the accuracy of the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I applied for a Chase XXXX XXXX XXXX credit card online via an online banner advertisement offering " XXXX XXXX points for spending {$3000.00} within the first XXXX months of account opening. '' There was a slight delay in my application being approved on account of needing to unfreeze my credit report. The application was ultimately approved and I received the card in the mail. By XX/XX/XXXX ( statement date of XXXX month account was open ), I had spent a total of {$3200.00} and anticipated receiving the advertised sign-up bonus. 

By XX/XX/XXXX, the advertised bonus had still not been posted to my linked XXXX account. I placed a call to Chase customer support at XXXX XXXX and was informed that Chase 's system reflected different sign-up bonus terms than were originally advertised and which now required a {$4000.00} minimum spend in order to receive a bonus. I was informed that because I had not met the spending requirement of this different offer, I would receive no bonus at all. 

It is my understanding from online research that Chase began to advertise this different sign-up bonus around the same time that I would have applied for the card. It is my supposition that Chase erroneously enrolled my account under these alternate terms, without at any point informing me of the changed offer terms. I'll note that Chase did not offer any means by which to track my progress in meeting the minimum spend through their online account, nor were sign-up bonus terms provided to me subsequent to my having applied for the credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding unlawful debt collection practices and a failure to provide the required 1099-C form for a debt that was charged off by XXXX XXXX, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Code Section 6050P.

1. Failure to Provide 1099-C Form for Canceled Debt According to the Internal Revenue Code Section 6050P, when a creditor cancels a debt of {$600.00} or more, the creditor is required to file a Form 1099-C with the IRS and send a copy to the debtor. XXXX XXXX charged off the debt in question but has failed to provide me with the necessary 1099-C form, which is required for tax reporting purposes. 

I have contacted XXXX XXXX on multiple occasions, but they have not provided the 1099-C form or any explanation for this failure. This is in violation of IRS regulations and is causing me confusion regarding my tax obligations. 

2. Unlawful Debt Collection Practices XXXX XXXX is continuing to claim that I owe a debt that was charged off, despite the fact that a charge-off generally means the debt is considered canceled. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are prohibited from misleading or harassing consumers into believing they owe a debt that has been legally discharged or written off. 

I have repeatedly informed XXXX XXXX that the debt was charged off, and I have not received any documentation that proves the debt is still valid or owed. Their continued attempts to collect the debt are causing me distress, and I believe they are violating the FDCPA, particularly the provisions regarding misrepresentation of the debts status. 

XXXX. Fraudulent Debt Collection Claims Despite my objections and the fact that this debt was charged off, XXXX XXXX is making continued claims that I owe the debt, which I believe constitutes fraudulent misrepresentation. Under the law, it is illegal for a creditor to misrepresent the status of a debt. 

Requested Resolution : I request the following actions from the Consumer Financial Protection Bureau : Investigate XXXX XXXX failure to provide the required XXXX form for the canceled debt. 
Investigate MARINR FINCs unlawful debt collection practices, including their continued attempts to collect a debt that has been charged off and canceled. 
Assist me in resolving this issue, ensuring that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Code Section 6050P are upheld.

Provide guidance on how to ensure this issue is resolved and prevent further collection attempts. 
Attachments : Credit Report from XXXX XXXX I trust that the Consumer Financial Protection Bureau will assist me in resolving this matter promptly. Thank you for your attention to this complaint, and I look forward to your response.

Company response to consumer: Closed with explanation