vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-25 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:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXX XXXX acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnis
h 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-26 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: NJ

Complaint narrative:
I am writing to you regarding the account identified as XXXX which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-26 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) (
5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: FL

Complaint narrative:
I received a text message that I owed a debt as far as I know I dont have any debt. I went on website and it states I owe XXXX XXXX I called the phone number and was told that I supposedly made XXXX payments already. Which I never did. That my balance was XXXX $ Told it was from Simple fast loans. I was also told that they have my license number and a copy of my license. 
I truly believe that this is identity theft. Told to contact the police.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am request a removal of any and all credit freeze and fraud alerts from my Equifax credit report. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX my Equifax Report Confirmation XXXX. I have attached my ID and SS card for my proof of ID. MY XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXX XXXX XXXX Account XXXX Please remove it from my credit report 5. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report 6. XXXX XXXX Account Number : XXXX Please remove it from my credit report 7. XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX FCU Date of Inquiry : XX/XX/XXXX Please remove it from my credit report Please remove it from my credit report 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-26 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have sent this company multiple certified letters explaining that I did not make the debt they are stating that I owe. I have asked the to provide me with any evidence bearing my signature showing that I have a legally binding contractual obligation to pay them the alleged amount and have not been provided with such information. This is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute as verification. I am asking that this account be deleted and removed from my credit reports. Here are the dates, article number, and tracking number of my certified letters they received. 

Certified letter XX/XX/year> Article # XXXX Tracking # XXXX Certified letter XX/XX/year> Article # XXXX Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 5. Account name : XXXX Account opened : {$0.00} Amount owed : XX/XX/XXXX 6. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2400.00} 7. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$360.00} 8. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} XXXX. Account name XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX 3. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 4. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX & XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 10.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 11.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 12.Account name : XXXXXXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX 13.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 5. Account name : XXXX Account opened : {$0.00} Amount owed : XX/XX/XXXX 6. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2400.00} 7. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$360.00} 8. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} XXXX. Account name XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX 3. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 4. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX & XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 10.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 11.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 12.Account name : XXXXXXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX 13.Account name : XXXX XXXX Amount Opened : XX/XX/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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My atm card was fraudulently used to make an unauthorized withdrawal of {$150.00}. I am writing in response to your recent communication regarding my fraud claim. Your response does not accurately reflect the multiple conversations I had with your representatives about how my PIN may have been compromised. As I previously clarified, I have used the same PIN across multiple accounts, and one of these accounts was recently compromised. Additionally, I immediately reported the fraudulent transaction to TD Bank, promptly locked my card, and requested a new one. Furthermore, I explicitly informed your representatives that I had lost my card at the time of the fraudulent transactiona critical detail that was conveniently omitted from your response. Your claim that there is no indication of how the PIN was compromised disregards the explanations I provided, and your assertion that no closed card attempts were made ignores the fact that I took immediate action to secure my account. Your failure to accurately document and reflect these key details demonstrates a lack of due diligence. This response is not only inadequate but also inconsistent with your stated zero liability fraud protection policy. Given the misrepresentation of my interactions and the lack of a thorough investigation, I will be escalating this matter further. Please advise on the next steps for escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
RE : PERMISSIBLE PURPOSE LETTER To whom it may concern.

I, never gave ( CHEX SYSTEMS ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Disputing XXXX XXXX due to the LAWSUIT from the CFPB on XX/XX/2020 while i was XXXX XXXX. I had a illegal loan through them as they violated the XXXX and XXXX and requested a complete deletion due to these facts. ( Complete Deletion from my credit report. ) Not only is it still there BUT even though its charged off the debt has gone from XXXX to XXXX near XXXX in a few years and keeps mounting. Correct me if I'm wrong but charge off accounts should not be generating interest. Please inform Experian XXXX and XXXX to delete said account from report due to various errors and the violations.

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