vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/year> Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to File Lawsuit for FCRA Violations Failure to Remove Fraudulent Accounts Dear Equifax Dispute Department XXXX XXXX am writing to formally demand that Equifax immediately cease reporting fraudulent accounts on my credit file, specifically the following : * XXXXXXXX XXXX XXXX XXXX  Account ( Last 4 Digits : [ XXXX ] ) * XXXX XXXXXXXX Credit Card Account ( Last 4 Digits : [ XXXX ] ) Despite my previous disputes and submission of an FTC Identity Theft Report and police report, Equifax has continued to report these fraudulent accounts, violating my rights under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ].

Legal Basis for My Claim : Under the FCRA, once a consumer provides proof of identity theft through an FTC Identity Theft Report and a police report, the credit reporting agency must block the fraudulent accounts from appearing on the credit report within four ( 4 ) business days. The continued reporting of these fraudulent accounts after receiving my documentation is a clear violation of my rights.

Supporting Documentation Previously Submitted : 1. A copy of my government-issued ID ( drivers license or passport ).

2. A copy of my FTC Identity Theft Report filed at XXXX. 
3. A copy of my police report regarding the fraudulent activity.

4. A copy of my credit report highlighting the fraudulent accounts in question.

Immediate Action Demanded : I am providing Equifax one final opportunity to comply with the FCRA before pursuing legal action. Within 15 days, you must : 1. Permanently remove the fraudulent XXXX XXXX and XXXX XXXX accounts from my credit file. 
2. Provide written confirmation stating that these accounts have been deleted and will not reappear in the future.

3. Cease any further reporting of these fraudulent accounts to lenders, insurers, or any other third parties. 
Failure to comply will result in my immediate filing of a lawsuit against Equifax for violations of the FCRA, and I will seek statutory damages, attorney fees, and punitive damages for your willful noncompliance. Additionally, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
I expect a written response confirming compliance within 15 days of receiving this letter. If you fail to take corrective action, I will proceed with legal action without further notice. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. 

I am also providing proof of all inaccuracies on my credit report and how each bureau shows different information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605 b ( 15USC S1681 C-2 ) That you, The Trans Union Credit Reporting Agency Block Information apparent on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account a collections account a cellular account through educational accounts secure loan accounts These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections in charge-offs apparent on my consumer fecal credit report I've attached a copy of the FTC identity theft criminal complaint Report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and inquiries are the result of affinity 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 explanation
Consumer complaint received 2025-02-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605 b ( 15USC S1681 C-2 ) That you, The Trans Union Credit Reporting Agency Block Information apparent on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account a collections account a cellular account through educational accounts secure loan accounts These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections in charge-offs apparent on my consumer fecal credit report I've attached a copy of the FTC identity theft criminal complaint Report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and inquiries are the result of affinity 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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a notification from XXXX that a collection account was added to my credit report. I immediately disputed the information with XXXX. The collection shows it was reported on XX/XX/year> by XXXX XXXX & XXXX at XXXX XXXX XXXX XXXX  XXXX TX XXXX. I was never notified of such debt nor did I get a chance to validate the debt before it was added to my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm Inc - XX/XX/year> It doesn't belong to me my identity has been compromised. 
Self/Southbank XXXX XXXX doesn't belong to me. My identity has been compromised due to a data breach at XXXX. 
XXXX XXXX XXXX  XX/XX/year> It's not my account compromised XXXX XXXX - XX/XX/year> It doesn't belong to my identity as been breached Chapter 7 Bankruptcy XX/XX/year> I've asked for this to be removed from the credit report it's past the deletion date, and I've requested XXXX to remove it, but I've had no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I received a text message notice that a suspicious transaction for {$200.00} had been declined from an ATM 8 miles away from me. I checked to make sure I had my card, and then called the American Express Bluebird number on the text. I told them I had the card, and they should find out how that was happening. I was told I needed to suspend the card, and after trying to ask how that would help if there was a card that wasn't mine used for the transaction, I agreed to suspend the card. After getting off the phone, I noticed my daily account summary was over {$600.00} less than the day before, and I called American Express Bluebird back. There were 2 transactions on the same ATM right across the street from the declined one for {$600.00} each with {$2.00} fees from XXXX attached to them. I was really upset, because I had explained to them before that I had my card on me and that I had not made any transactions all day. And why didn't the custumer service employee tell me about those transactions when I called. The second ATM was had a fee ; I would never use that. And the card was supposed to have been suspended ; I asked how that would help stop the crime when I first called. I also explained that the telephone prompts were malfunctioning and hanging up on me when I was trying to get a customer service rep, and that there were all sorts of similar issues with the site. I did everything American Express Bluebird told me, even sent my report to an email address when the link they sent me to upload the documents was malfunctioning as well. I even called again to make sure the email was received after I didn't receive a confirmation. American Express Bluebird finally answered back that they had investigated, and that the transaction was made with a valid card and PIN. That was impossible. I still have my card, and I have never given my PIN to anyone. After that, I started reporting to more government agencies. I also called the main American Express number, and it was the same customer service as XXXX. While trying to manage my way through the Holidays without almost half of my veteran medical pension income, I found other people this had happened to in XXXX. All of them were from other banks, and one was a government food benefits card. I had called the XXXX XXXX to help investigate, but they were not willing to take me seriously either, then people with government food cards and families were ripped off right before Christmas. I think this Christmas scam was made before the Holidays intentionally, and I believe that if local law enforcement had responded to me seriously, the similar crimes that occurred later could have been prevented. Before I found the other people around me that had money stolen from their accounts too, I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: United PanAm Financial Corp.
State: TN

Complaint narrative:
They illegally put my auto car loan in my son name with my signature because he was in the XXXX he made XXXX XXXX XXXX in payments which we have copy of when I first got the car my payment was XXXX in XXXX  it was XXXX change with my signature they also put this on my son credit his name is XXXX XXXX he was not on the loan account he cant get anything because they added this to his credit ask them for a copy because he over paid this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I, XXXX XXXX XXXX, submit this formal complaint against Capital One Financial Corporation for multiple violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Gramm-Leach-Bliley Act ( GLBA ).

Details of the Complaint : 1. Failure to Provide Required Consumer Rights Notices ( 15 U.S.C. 6802 ( b ) ( c ) ) : Capital One failed to provide me with legally required opt-out notices regarding the sharing of my personal financial information with third parties.

I never received a second notice outlining the procedure to opt out.

2. Unlawful Late Payment Reporting Without Proof ( 15 U.S.C. 1666 ( b ) ) Capital One reported a late payment to credit bureaus without verifying its accuracy or providing incontrovertible proof that the payment was mailed and delivered at least 21 days before the due date.

I formally disputed this, yet Capital One failed to conduct a proper investigation or provide any documentation supporting their reporting.

3. Willful & Negligent Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681n ) Capital Ones reliance on automated eOSCAR dispute resolution rather than performing a manual, meaningful investigation has resulted in ongoing damages to my credit profile. 
Despite my dispute, Capital One has failed to correct or verify the inaccurate reporting and did not respond to my formal demand for proof. 

4. Failure to Respond to Certified Legal Notice Acquiescence On XXXX, I sent a 5-page formal notice via certified mail to Capital One outlining their violations and demanding correction. 
Capital One received this letter, as confirmed by the enclosed certified mail receipt and return receipt ( green slip ). 
They failed to respond within the timeframe provided, thereby acquiescing to the claims made in my notice. 

Damages & Requested Remedy : - {$31000.00} in damages ( per attached invoice ) for statutory violations, emotional distress, financial harm, and punitive damages. 
-Immediate removal of all inaccurate and unverifiable negative items from my credit report. 
-A formal written response from Capital One addressing these violations. 

Supporting Documents : Invoice for Damages ( {$31000.00} ) Notarized Affidavit ( Sworn Statement ) Certified Mail Receipt ( Proof of Mailing to Capital One ) Return Receipt ( Proof of Delivery to Capital One ) Original 5-Page Demand Letter Sent to Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays has repeatedly refused to investigate and resolve the disputed charges related to XXXX XXXX and XXXX XXXX XXXX. Despite multiple CFPB complaints and direct disputes, Barclays has maintained that the transactions were valid, failing to conduct a reasonable investigation in compliance with federal consumer protection laws. Barclays ' most recent responses, dated XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, indicate a refusal to acknowledge any new evidence or requests. Additionally : Barclays ' dispute team closed claims due to alleged non-responsiveness, despite clear documentation that the disputes were actively pursued. 
Barclays refused to reverse the charges despite evidence that XXXX XXXX and XXXX XXXX XXXX did not fulfill their contractual obligations. 
Barclays failed to provide any merchant agreements, transaction logs, signed receipts, or proof of service/product delivery for the disputed amounts. 
Barclays ' reporting of these transactions to the CRAs ( despite pending disputes ) constitutes a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate information.

Legal Violations & Leverageable Laws Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 Requires a creditor to investigate billing disputes and provide evidence supporting the validity of a charge.

Barclays has failed to provide contractual proof, service completion proof, or any other required documentation.

Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ) Prohibits furnishers of credit information from reporting disputed debts as valid without investigation.

Barclays failed to conduct a reasonable reinvestigation as required by the FCRA.

Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 A credit card issuer must ensure that transactions were authorized and that the merchant fulfilled their obligation before denying a dispute.

Barclays failed to verify service fulfillment before denying your claims.

Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits unfair, deceptive, or abusive acts by financial institutions.

Barclays ' refusal to investigate and arbitrary closing of disputes without merit violates CFPA.

Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 Requires financial institutions to provide consumers with clear documentation and verification of disputed transactions.

Barclays has not provided adequate documentation proving the legitimacy of the disputed charges.

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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
U.S. Department of Education ; I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 


These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I demand the permanent deletion of this account since at no time have I signed contracts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report.Please remove thse account from my report they are hurting my ability to obtain credit. ( XXXX XXXX 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 2025-02-23 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: FL

Complaint narrative:
Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : FOURSIGHT Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the National Public Data Systems. 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.

Company response to consumer: Closed with non-monetary relief