vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding a violation of my rights under the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe that the actions of [ Insert Creditor 's or Debt Collectors Name ] violate 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ).

Violation of 15 U.S. Code 1635 : Right of Rescission I exercised my right to rescind the contract under 15 U.S. Code 1635, which provides the consumer the right to rescind certain transactions, including home equity loans or lines of credit, within three business days of the transaction. I have made timely attempts to cancel the transaction, but [ Creditors or Debt Collectors Name ] has failed to acknowledge or process my rescission request in accordance with the law. [ Explain the situation briefly and any specific violations you believe occurred, such as the refusal to accept the rescission or failure to provide the necessary disclosures. ] Violation of 15 U.S. Code 1692g : Validation of Debt Additionally, under 15 U.S. Code 1692g, debt collectors are required to provide a validation notice within five days of their initial communication with the consumer. This notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that the consumer has the right to dispute the debt within 30 days. However, [ Creditors or Debt Collectors Name ] has failed to provide me with the necessary validation information after [ mention the date you first received communication or other relevant details ].

Despite my request for verification of the debt, [ Creditors or Debt Collectors Name ] has not provided any proper documentation and continues to pursue collection efforts without adhering to the proper validation process.

Requested Resolution I respectfully request that the CFPB investigate these matters for violations of 15 U.S. Code 1635 and 15 U.S. Code 1692g, and assist in resolving this issue by : Ensuring the right of rescission under 15 U.S. Code 1635 is honored, with the proper cancellation of the contract and return of funds if applicable.

Enforcing the validation of debt requirements under 15 U.S. Code 1692g, including providing the proper documentation within the stipulated time frame. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a violation of my rights under the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe that the actions of [ Insert Creditor 's or Debt Collectors Name ] violate 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ).

Violation of 15 U.S. Code 1635 : Right of Rescission I exercised my right to rescind the contract under 15 U.S. Code 1635, which provides the consumer the right to rescind certain transactions, including home equity loans or lines of credit, within three business days of the transaction. I have made timely attempts to cancel the transaction, but [ Creditors or Debt Collectors Name ] has failed to acknowledge or process my rescission request in accordance with the law. [ Explain the situation briefly and any specific violations you believe occurred, such as the refusal to accept the rescission or failure to provide the necessary disclosures. ] Violation of 15 U.S. Code 1692g : Validation of Debt Additionally, under 15 U.S. Code 1692g, debt collectors are required to provide a validation notice within five days of their initial communication with the consumer. This notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that the consumer has the right to dispute the debt within 30 days. However, [ Creditors or Debt Collectors Name ] has failed to provide me with the necessary validation information after [ mention the date you first received communication or other relevant details ].

Despite my request for verification of the debt, [ Creditors or Debt Collectors Name ] has not provided any proper documentation and continues to pursue collection efforts without adhering to the proper validation process.

Requested Resolution I respectfully request that the CFPB investigate these matters for violations of 15 U.S. Code 1635 and 15 U.S. Code 1692g, and assist in resolving this issue by : Ensuring the right of rescission under 15 U.S. Code 1635 is honored, with the proper cancellation of the contract and return of funds if applicable.

Enforcing the validation of debt requirements under 15 U.S. Code 1692g, including providing the proper documentation within the stipulated time frame. XXXXXXXX XXXX XXXX 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 2025-02-17 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: IL

Complaint narrative:
I am seeing creditor inquires that I dont recognize.

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 2025-02-17 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: IL

Complaint narrative:
I am seeing creditor inquires that I dont recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX regarding its handling of my student loan information and potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974.

Complaint Summary : Unauthorized Disclosure of Student Loan Information FERPA ( 20 USC 1232g ( b ) ) protects the privacy of student education records, including financial transactions associated with student loans. 

XXXX, as a servicer of federal student loans, maintains records that contain my personal information, including but not limited to my name, Social Security number, and loan repayment details. 

I have reason to believe that XXXX improperly disclosed or mishandled my personal student loan records without my authorization. 

Failure to Secure Personal and Financial Information The Privacy Act of 1974 ( 5 U.S. Code 552a ) states that agencies maintaining records on individuals must ensure the security and confidentiality of those records. 

Nelnets handling of my financial and personal data appears to lack adequate safeguards, leading to potential breaches of my privacy. 

I have encountered discrepancies in my loan servicing records and have received communications that suggest third-party access to my personal data without my consent. 

Lack of Transparency and Response to Privacy Concerns Despite multiple attempts to request clarification from XXXX regarding the handling of my records, I have not received a satisfactory response. 

My inquiries about how my personal data is stored, shared, and protected have gone unanswered, further raising concerns about potential violations of FERPA and the Privacy 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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have called the help number ( XXXX ) almost a dozen times for my IKEA Visa Signature credit card regarding rewards not being paid out to me. I am supposed to receive a gift card for every XXXX $ in rewards accumulated. I spent {$1000.00} in XX/XX/year>, which should give XXXX in rewards ( subtracting XXXX in rewards due to returns from XXXX ). I have not received the {$45.00} of rewards. 

When called, Comenity simply says to log into my account and look. They clearly have no process whatsoever to reissue rewards, and have no process to assist customers having rewards problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: KS

Complaint narrative:
Equifax failed to properly dispute payment history being reported accurately from all closed accounts on credit report and hasn't been reporting me as an authorized user with XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter.

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX. 
In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, PR XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am filing this complaint because XXXX refuses to correct my credit file and continues to report false information despite multiple disputes. This is now my multiple disputes regarding the fraudulent XXXX  ( XXXX ) account, and XXXX is the ONLY credit bureau reporting it. XXXX and Experian never reported this account. This raises a serious question : Why is XXXX reporting an account that the other bureaus dont have? Does XXXX operate under a different set of rules? Are they fabricating their own version of my credit report? Or are they simply ignoring the Fair Credit Reporting Act ( FCRA ) and hoping Ill just give up? I have NEVER AUTHORIZED this account to be reported, nor have I ever had any relationship with this creditor. Under 15 USC 1681b ( f ), XXXX has no permissible purpose to continue reporting this account. Yet, despite multiple disputes, they refuse to correct their mistake. This is not a simple oversightthis is willful noncompliance. XXXX is knowingly reporting inaccurate information in violation of 15 USC 1681i, which requires them to conduct a reasonable reinvestigation. The fact that they have ignored my previous disputes proves that they are acting in bad faith. At this point, XXXX actions are not just negligent ; they are intentional violations of federal law. Under 15 USC 1681n and 1681o, they are fully liable for statutory damages, actual damages, and punitive damages. Their continued refusal to comply makes them subject to penalties of at least {$1000.00} per violationand after XXXX disputes, those violations are stacking up. So I ask againwhy is XXXX reporting an account that NO OTHER BUREAU is reporting? If this account was valid, wouldn't it be reflected across all three credit bureaus? Or does XXXX believe they are above federal law? Because right now, it certainly looks that way. Their refusal to remove this account is harming my credit and financial standing, and I will not tolerate it any longer.

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 2025-02-17 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: GA

Complaint narrative:
I contacted Experian to dispute items due to fraudulent activity detected on my personal credit profile. Experian stated that they investigated but has not provided and information to support claim of accounts furnished on my credit report. In 2024 I was notified of data breach with Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX Pa, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX. ] Subject : Dispute of Unauthorized Credit Inquiry Dear [ XXXX ], I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my file, I noticed that Capital One via Dealer, located at XXXX XXXX XXXX, XXXX, TX XXXX, made a hard inquiry on XX/XX/XXXX. I did not apply for credit or authorize this inquiry, and I am requesting its immediate removal from my report. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose to access my credit report. Since I did not provide consent for this inquiry, it should not be listed on my report. 

To support my request, I have attached the following documents : 1. A copy of my credit report with the unauthorized inquiry highlighted.

2. A copy of my government-issued ID for identity verification.

Please investigate this matter and remove the unauthorized inquiry as soon as possible. If you can not remove it, I request that you provide written proof that I authorized this inquiry. If no such proof exists, I expect written confirmation that the inquiry has been deleted from my record. 

If this issue is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XX/XX/XXXX{$3400.00} XXXX XX/XX/XXXX{$3700.00} XXXX {$260.00}

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 non-monetary relief
Consumer complaint received 2025-02-17 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few like this one the bank keep send in it as accurate I don't understand why? the person that open this account hade a different address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. SAN DIEGO COUNTY CRED. ACCOUNT # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-17 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like TransUnion, Equifax, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX XXXX  and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX XXXX  never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. TransUnion, Equifax, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.

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