vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury
. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to notify you that I formally dispute the debt you assert I owe. I also wish to raise serious concerns about the legality of your collection practices. I do not acknowledge any obligation to the following agencies : 1. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX - XXXX Please provide full debt validation as required by 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, account number, balance breakdown, and a copy of your purchase agreement with the original creditor. I have reported these concerns to the Consumer Financial Protection Bureau.

I also revoke consent for contact via phone, text, or email. From now on, communication must be in writing. Failure to provide a proper dispute opportunity per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the use of deceptive collection practices without the required legal disclosures, violate my consumer rights. In addition, [ creditor_name ] may not furnish information to credit bureaus without proper disclosure under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-05-11 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Debit Card. Locked my access to my bank card around midnight on XX/XX/year>. I called to get it fixed they said there was NO way possible I was on the phone for a while. I stressed to them I was at a bar and I had a tab needed to be paid. The representative instructed me to ask to borrow from someone or to leave my card at the restaurant even AFTER I mentioned I could potentially be arrested!! The representative still was unsuccessful in helping me I asked for a manager he said the same thing and to wait until XXXX XXXX! I was stranded at the bar the bar told me they would cover my tab but I would be banned! I was so embarrassed and upset I had to borrow money and I the manager of the restaurant paid for me to get home because I XXXX XXXX! So today XX/XX/year>, it is XXXX I called because my card still isnt working and I still have no access to my money! I am planning to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Dispute XXXX  XXXX ( Celtic Bank ) Annual Fee : XX/XX/year> ( {$150.00} ) annual Maintenance Fee : On the XXXX of every month XXXX  XXXX ( XXXX Bank ) Dear XXXX  XXXX Customer Service, Re : Dispute of {$150.00} Annual Fee and $ 15 Monthly Maintenance Fee I am writing to formally dispute the recent charges of {$150.00} annual fee and $ 15 monthly maintenance fee that were applied to my account ending in XXXX on XX/XX/XXXX. I have had my XXXX XXXX for over two years, and I have consistently paid the $ 15 monthly maintenance fee, totaling {$180.00} annually. I was not aware that I would be charged an additional {$150.00} fee after the first year of service. 

As a loyal customer, I find this charge excessive and unfair, especially since I have not received any additional services or benefits ( such as a credit limit increase ). It was my understanding that the {$150.00} charge was charge in the montly maintenance fees which as to {$180.00} annual and the charge of {$150.00}. It very predatory. 

If this issue is not resolved promptly, I will consider escalating this dispute to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and filing formal complaints for unfair and predatory billing practices. 

I look forward to your prompt response and resolution of this matter. 

Account 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 2025-05-11 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Novo Platform Inc.
State: NV

Complaint narrative:
Dear CFPB, I am submitting this complaint against XXXX in response to a serious failure to prevent and address fraudulent activity on my account, which has resulted in a loss of {$2200.00}. 

On XX/XX/year>, at approximately XXXX XXXX, my previous email ( XXXX ) and previous phone number ( XXXX ) were compromised. The fraudsters used these credentials to access my XXXX account, from which they initiated XXXX transfers to my XXXX account : {$5000.00} {$5000.00} {$2000.00} XXXX : {$12000.00} Of this amount, {$10000.00} was later successfully recovered and returned by XXXX in the form of XXXX {$5000.00} deposits and {$0.00}. 

In addition, I had a prior balance of approximately {$180.00} in my XXXX account, along with {$41.00} that had been fraudulently transferred in from my XXXX account, bringing my available total before the unauthorized withdrawals to {$220.00}. 

However, the following unauthorized transactions occurred : {$180.00}, {$40.00}, and {$1400.00} were transferred to XXXX XXXX XXXX on XX/XX/year>. 

{$200.00} and {$220.00} were transferred to XXXX XXXX XXXX on XX/XX/year>. 

XXXX {$20.00} transfer fees were charged : XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

These unauthorized withdrawals and fees total {$2200.00}. 

I contacted XXXX customer service immediately on XX/XX/year>, after noticing the suspicious activity. I was told that my account had been frozen. However, despite this, on XX/XX/year>, a XXXX employee named XXXX XXXX unfroze my account after an identity verification process that was clearly insufficient. 

The individual who gained access presented a fraudulent ID labeled XXXX with a fake ID number, along with an AI-generated photo. These should have been obvious red flags to any trained personnel. Nevertheless, my account was reactivated, allowing the fraudster to complete additional unauthorized transactions. 

Had XXXX exercised proper due diligence in verifying the request to unfreeze the account, these further losses could have been entirely prevented. 

Despite repeated follow-ups, XXXX has failed to provide any meaningful resolution or attempt to recover the stolen funds. 

I am requesting that the CFPB investigate this matter, including XXXX XXXX failure to adequately protect my account, its negligent handling of a clearly fraudulent ID verification, and its lack of response to my repeated efforts to resolve the issue. 

I am seeking recovery of the {$2200.00} in unauthorized withdrawals and fees. 

My current contact information is as follows : Phone : XXXX Email : XXXX Attachments included with this complaint : Transaction history showing the unauthorized activity AI-generated fake ID photo used by the fraudster Email correspondence with XXXX customer service Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXXXXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 
I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ XXXX ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-05-11 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX. XXXXXXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ XXXX ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I am filing this complaint because Ford Motor Credit Company continues to report a charged-off auto loan with a balance of {$7900.00} on my credit report, even though the company canceled this debt and issued a Form 1099-C to the IRS on XX/XX/year>. The canceled debt amount was {$7900.00}, as shown in the attached copy of the 1099-C.

By issuing a 1099-C, Ford officially discharged the debt and declared it uncollectible. Under the Fair Credit Reporting Act ( FCRA ), continued reporting of this debt as collectible or due is misleading, inaccurate, and damaging to my credit standing.

I have contacted the credit bureau, but the account is still being reported with a balance due. I am requesting that the CFPB require Ford and/or the credit bureau to immediately remove or correct this account to reflect the cancellation and discharged status.

I have attached a copy of the 1099-C as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Never received debt validation from Jefferson Capital, XXXX XXXX, XXXX, or XX/XX/XXXX 

They do not own the debt and have violated the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.

Complaint narrative:
My sons credit report is showing delinquent on his credit report, brining his credit down to poor. His student loans and my own are consolidated together. They have been paid on time, every month without missing any payments. Nelnet has reported 90 days delinquent on several occasions. I do plan to contact them on Monday morning but this is ridiculous to go through. 

I see a ton of others are having the same issue. 
Something apparently needs to be investigated here.

Company response to consumer: Closed with explanation