vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EdFinancial Services
State: UT

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from EDFINANCIAL, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AR

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 non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
I got a call today with threats suggesting the were going to locate me my wife also got contacted they left her a voicemail where he gave information about me being sued. And also talked about them showing up to my residence which is a threat if Ive ever heard one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: DE

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 2025-04-16 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: DE

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I've sent multiple letters and reported multiple times the fraudulent activity on my account only to have it denied and instead they closed my account and told me to continue paying for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
According to my XXXX XXXX credit report there were XXXX inquiries and XXXX collections that I don't recognize. I have no knowledge of any of these accounts. Starting on XX/XX/year> ( XX/XX/year> ) a XXXXXXXX XXXX ( FINANCE ) inquiry was opened and reporting on my credit report. Another XXXX XXXX XXXX ( FINANCE ) inquiry 's were opened on XX/XX/year>. On XXXX XXXX a XXXX XXXX XXXX was opened reporting {$150.00}.

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 2025-04-17 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:
According to my XXXX XXXX credit report there were XXXX inquiries and XXXX collections that I don't recognize. I have no knowledge of any of these accounts. Starting on XX/XX/year> ( XX/XX/year> ) a XXXXXXXX XXXX ( FINANCE ) inquiry was opened and reporting on my credit report. Another XXXX XXXX XXXX ( FINANCE ) inquiry 's were opened on XX/XX/year>. On XXXX XXXX a XXXX XXXX XXXX was opened reporting {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
This company along with Experian and Equifax are reporting misinformation making all 3 companies not accurate in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company along with Experian and Equifax are reporting misinformation making all 3 companies not accurate in their reporting.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS Prime Investments , LLC, located at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, is ignoring the fact that a debt of {$6900.00} was discharged. I had a debt consolidation agreement with XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX. 
I have through all of XXXX attempted contact with XXXX and received no validation of debt. I have through XXXX XXXX had the debt removed from my report. 
The signed settlement agreement is binding and enforceable. It stipulates that the creditor is legally entitled to enforce the application of the consumer 's debt and will stop collections against the consumer while payments are being made as specified. Upon receipt of the final payment, any remaining debt will be dismissed with prejudice, and any litigation related to the applicable consumer debt will be terminated. The settlement agreement also requires that any judgments related to the consumer 's debt be reported as satisfied. 

The settlement agreement remains in full force and effect unless the consumer fails to make the agreed-upon payments in accordance with the terms. In such a case, the settlement agreement will be null and void. I have a confirmation of the settlement agreement, which includes XXXX payments ranging from {$50.00} to my final payment of {$250.00} at the end of XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
This morning, I saw some incorrect accounts appear on my credit report, and I have no clue how they got there. I routinely monitor my report, but this time, I noticed unexpected errors. I even refreshed my browser, thinking it might be a temporary glitch, but the false accounts remained. Given this, I kindly request that the documents I submitted be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Reference : Sloppy data matching processes by Chase, JPMorgan, JPMorgan Chase and XXXX have falsely reported me dead Chase, JPMorgan, JPMorgan Chase and XXXX have declared me dead when I am very much alive. I discovered this false reporting at a very critical point in my life and an inopportune stressful time. 

Please investigate why Chase, JPMorgan, JPMorgan Chase and XXXX failed to do a better job of cross-referencing and fact-checking the information they receive from credit reporting agencies, lenders and the government. 

Chase, JPMorgan, JPMorgan Chase and XXXX should be legally required to obtain a copy of a death certificate or some other documentation, rather than just accepting the deceased code from another reporting entity as truth. 

I attempted to resolve this sloppy reporting multiple times on the phone and twice in person, to no avail. Chase, JPMorgan, JPMorgan Chase have repeatedly given me the runaround ( ignoring me ). 

The legal mandate on Chase, JPMorgan, JPMorgan Chase and XXXX should be to follow reasonable procedures to assure the maximum possible accuracy of their records, and I believe that standard, in my case, has not been met. 

What I mean by this is, " It should be easy to demonstrate, when there is a live client in the bank with proper forms of identification and written proof, that the client is in fact not dead. XXXX XXXX and XXXX XXXX at Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) failed at this standard. They told me to leave the bank without helping to resolve the issue. 

This sloppy data matching process and failing to resolve the matter in person has been a real nightmare for me. 

My accounts have been frozen and I have been denied all credit. 

This error has caused huge consequences in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and keep me informed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX'I am submitting this complaint because Patenaude & Felix violated my rights under the Fair Debt Collection Practices Act (FDCPA).\n I submitted a written debt validation request, sent via certified mail to patenaude and felix at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received on XXXX  signed by XXXX XXXX (tracking number: XXXX XXXX XXXX XXXX XXXX XXXX, requesting full verification of the alleged debt, as permitted under 15 U.S. Code 1692g.XXXXUnder the FDCPA, once a consumer makes a request for validation, all collection activity must cease until the verification is provided.\n\nInstead of responding with the required verification, the debt collector filed a lawsuit against me on XXXX, which constitutes a clear and direct violation of the FDCPA.XXXXTo avoid a default judgment, I had no choice but to file a legal response to the lawsuit, which cost me XXXXXXXX  in court filing fees. This expense was a direct result of the debt collectors failure to comply with the law.XXXXApproximately two months after filing the lawsuit, the agency finally sent a form of debt verification  well beyond the required timeline and only after legal proceedings were already initiated.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I submitted a formal written dispute to TransUnion on XX/XX/XXXX, requesting the deletion of multiple unauthorized credit inquiries on my report. These inquiries were made without my consent or any permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I contacted the creditors involved, and none were able to provide signed applications, written authorization, or legitimate documentation to justify their access to my credit file. 

Despite these facts, TransUnion continues to report these inquiries. I explicitly requested that they refrain from relying on automated systems such as XXXX and instead conduct a manual reinvestigation, as supported by XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and CFPB v. Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). TransUnion 's failure to provide proof or take corrective action constitutes a violation of 15 U.S.C. 1681b, 1681i, and 1681s-2.

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 2025-04-16 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
After viewing my credit report I notice an hard inquiry from consumer portfolio services , inc . I did not give this company authorization to pull my credit report. I never heard of them. I received a letter from them stating the credit inquiry was a result of a digital credit application received on XX/XX/year> from XXXX  XXXX. Neither did I give them authorization to send my information to any company. Im asking this company remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
Im genuinely concerned that my credit report continues to show inaccurate and incomplete information. Despite multiple attempts to have this corrected, the errors persist and are negatively affecting my credit.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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