vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security XXXX was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX  XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX ) : XXXX Account # : XXXX XXXX ) : XXXX. Account # : XXXX XXXX ) : XXXX XXXX Account # : XXXX XXXX ) : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ( Original XXXX XXXX ) Trans Account # : XXXX XXXX ) : XXXX FUNDING ( Original XXXX U XXXX BANK XXXX A ) XXXX  Account # : XXXX XXXX XXXX : XXXX XXXX ASSOC ( Original Creditor : XXXX XXXX ) Exp Account # : XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : JPMCB CARD XXXX # : XXXX XXXX XXXX XXXX ) : JPMCB CARD XXXX # : XXXX XXXX XXXX Inaccurate Accounts Pink XXXX. XXXX. XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : WELLSFARGO.Acc # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX ) : XXXX XXXX BANK. Account # : - - - - XXXX ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security Number was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX ) : XXXX Account # : XXXX XXXX ) : XXXX. Account # : XXXX XXXX ) : XXXX XXXX Account # : XXXX XXXX ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ( Original XXXX XXXX ) Trans Account # : XXXX XXXX ) : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  A ) Trans Account # : XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Exp Account # : XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX  XXXX # : XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX  XXXX # : XXXX XXXX XXXX Inaccurate Accounts Pink XXXX. XXXX. XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXXAcc # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : - - - - 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 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I have two collections from XXXX since XXXX and I had provided them with all documents reflecting that it was a fraudulent account and they havent done anything to remove the collection from the credit bureau. I had sent multiple times all documents including police report and proof of address at the time and no one has reached out. I spoke to another manager today and sent the manager from XXXX the full lease from XXXX and XXXX as well as the affidavit police report and still cant get anyone on the phone to confirm they received the items. I had called customer service and they told me that the account is locked by the XXXX. I need for this matter to be resolved and removed from my credit report. I cant even rent a place because of them. Attached are all the files showing where I was residing at the time the lease in question was signed, which it shows that it was a fraudulent account.

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 2025-02-20 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 am dissatisfied with XXXX response to my complaint for the following reasons : XXXX XXXX into XXXX XXXX : XXXX dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. XXXX ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an XXXX servicer include safeguarding databreaching this duty should have legal consequences. 

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers. 

Requested Actions : XXXX XXXX to disclose specifics of their data security measures and any investigations into potential breaches affecting my account. 

Collaborate with the Department of Education to determine if XXXX actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the XXXX Ombudsman with a focus on the privacy breachs impact on the validity of my loan servicing. 

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like XXXX are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

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 2025-02-20 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: TX

Complaint narrative:
I am dissatisfied with XXXX response to my complaint for the following reasons : XXXX XXXX into XXXX XXXX : XXXX dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. XXXX ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an XXXX servicer include safeguarding databreaching this duty should have legal consequences. 

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers. 

Requested Actions : XXXX XXXX to disclose specifics of their data security measures and any investigations into potential breaches affecting my account. 

Collaborate with the Department of Education to determine if XXXX actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the FSA Ombudsman with a focus on the privacy breachs impact on the validity of my loan servicing.

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like XXXX are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am dissatisfied with XXXX response to my complaint for the following reasons : XXXX XXXX into XXXX XXXX : XXXX dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. XXXX ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an XXXX servicer include safeguarding databreaching this duty should have legal consequences. 

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers. 

Requested Actions : XXXX XXXX to disclose specifics of their data security measures and any investigations into potential breaches affecting my account. 

Collaborate with the Department of Education to determine if XXXX actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the XXXX Ombudsman with a focus on the privacy breachs impact on the validity of my loan servicing. 

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like XXXX are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I feel like all three credit bureaus are not being fair on my credit scores have not went up in XXXX on good payments history I have made and it's unfair to take XXXX points from my credit score just for a hard pull from the bank to apply for a increase on my credit limit which is approved by the bank

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear EQUIFAX Representatives, I am writing to file a formal complaint against EQUIFAX, for the improper reinsertion of a previously deleted account into my credit report. The accounts in question are XXXX # XXXX XXXX and XXXX # XXXX XXXX, which were removed following a successful dispute and have now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 
Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion.

2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me.

3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction.

4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions.

5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me.

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to Equifax failure to comply with the law.

Requested Action : 1. Investigate the improper reinsertion of the accounts XXXX # XXXX XXXXXXXX and XXXX # XXXX XXXXXXXX, 2. Require EQUIFAX to immediately and permanently delete the account from my credit report.

3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXXL XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I've been a customer with Chase for 16 months, opening a credit account with them in XX/XX/XXXX, with a reasonable credit limit. Over those 16 months, I have made timely payments ( most of which have been earlier than the due date ) and have normally paid well over my minimum monthly due. Today, XX/XX/XXXX, I received a notification that my credit limit had been reduced by XXXX XXXX since, according to the credit report that they pulled without my knowledge, that my " credit usage was high '' and that I apparently have a " history of low payments relative to balances. '' It is beyond reason that when I was issued the card, my credit score was actually XXXXXXXX XXXX XXXX  than I have right now. Regardless of how many open accounts one might have, or what each account is owed, credit agencies roll those markers of credit worthiness ( among others ) into your overall score. None of my other creditors have taken this action, an action that in and of itself lowers my credit score due to the reflection of a decreased credit limit amount that is now posted on my credit report. Apparently, Chase 's ideal customer is one who makes minimum payments, maybe even late ones that inflict fees, and keeps carrying high balances. However, if make timely ( or early ) payments, and pay higher amounts than the minimum monthly payment ( to offset the interest on the remaining balance ), they have a team that, unbeknownst to me, pulls your credit report, reduces your credit limit and negatively affects your creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, 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, Experian '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 the account is accurate, 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from Transunion Credit Report. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my credit 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 non-monetary relief