vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: EdFinancial Services
State: WA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. ] ( FERPA : Breach of information. violation of FERPA laws, account access without my permission )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX They have failed to comply with federal regulations by reporting inaccurate, unverifiable, and misleading information on my credit reports despite multiple disputes sent via certified mail. These violations have negatively impacted my XXXX XXXX and my ability to obtain credit.I have attached copies of my credit reports ( from XXXX ), certified mail receipts, and dispute letters as evidence. Below is a summary of the violations : Dates of Correspondence : Dispute Letters Sent : XX/XX/year> via Mail Received XX/XX/year> Reinvestigation Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Method of Verification Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Violations : 15 U.S.C. 1681i Failure to properly reinvestigate disputed information and failure to consider all consumer-provided evidence.

15 U.S.C. 1681i ( a ) ( 2 ) Failure to notify furnishers of disputed information within five business days.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of reinvestigation procedures within 15 days of request. 
15 U.S.C. 1681b Lack of permissible purpose for credit inquiries.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy in reporting.

15 U.S.C. 1681g Failure to disclose complete file upon request.

15 U.S.C. 1681s-2 ( b ) Continued reporting of inaccurate information despite disputes and failure to correct errors.

15 U.S.C. 1681c ( f ) Re-aging an account by changing the Date of Last Activity ( DLA ).

15 U.S.C. 1681i ( c ) Failure to mark accounts as disputed.

15 U.S.C. 1681s-2 ( b ) Re-aging account by updating Date of Last Activity ( DLA ) improperly. 

XXXX have committed multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to accurately investigate disputes, improperly verifying unvalidated debts, re-aging accounts, failing to provide proof of verification, and continuing to report incorrect information despite being notified multiple times. 

As a consumer, I have exercised my rights by submitting formal disputes and requests for verification, all of which were either ignored or improperly handled. I have attached proof of certified mail receipts and tracking numbers showing delivery of my disputes, yet the violations remain unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Not investigating properly and negatively using my information.

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 2025-03-30 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo denied XXXX unauthorized foreign debit card transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Wrong information reported, old addresses, and or accounts that are not mine. 
Also informed of data breach. 
I haven't given permission to report this old or incorrect information. 
And ask that if they report abide by CFPB laws.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Wrong information reported, old addresses, and or accounts that are not mine. 
Also informed of data breach. 
I haven't given permission to report this old or incorrect information. 
And ask that if they report abide by CFPB laws.

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 2025-03-30 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: MS

Complaint narrative:
In XX/XX/year>, I received an email stating that my personal information had been exposed online due to an Equifax data breach. This led me to check my credit report and I discovered that multiple fraudulent accounts had been opened in my name and were never paid. I disputed the fraudulent accounts with the XXXX major credit bureaus, Experian, Equifax, and Transunion. The disputes were dismissed and verified. I did not open these accounts, have no knowledge of the accounts, and never used the accounts. These accounts are 100 % fraudulent. I spoke to my local law enforcement, who directed me to file an identity theft complaint with the Federal Trade Commission, and I did.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
XXXX gave this debt to Gurstel to collect from me when Im already making payments to another creditor for this debt. They also added someone else to this debt that isnt and has never been on any credit card debt with me. Ive been going back and forth with them for a couple of years with no resolution until I was told by my employer they are XXXX XXXX XXXX for this debt. Ive tried and tried to resolve this multiple times with this company and XXXX with no luck, I live paycheck to paycheck and will not financially recover from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-30 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Wednesday XX/XX/year>, I opened a business account at Chase Bank. I have had many different business accounts with them. 

On Friday XX/XX/year>, I had a large amount of money from a sale get deposited into the new business account. Later that night, I transferred money out of that account to my other business accounts to pay bills and etc. 

On Saturday morning, XX/XX/XXXX, I noticed that the transactions were pending out of the account. I called Chase and the associate told me they flagged my account for suspected fraud, but I verified that it was me, and she noted the account and told me to wait a few hours to continue to move money around again.

When I got home later in the evening, I noticed that it still did not transfer, so I called again. I was notified by the chase associate that all my chase business account were being closed and all funds have been frozen. 

After not being able to resolve the situation, he could not provide me with the reason of the accounts being closed. 

I have banked with Chase for over a decade and have never had an issue moving my money around. I was given no warning and I am experiencing extreme financial difficulties from this. Its unacceptable.

All of my businesses are with Chase and they said that the accounts will close within 10 business days and then will send me a check with the balance. I have hundreds of thousands of dollars in these accounts. I am in desperate need of help to resolve this situation and to get my money as soon as possible. I have many expenses and bills due on XX/XX/year>! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need XXXX, Transunion and XXXX updated of my account status with XXXX XXXX. The report number given to me by XXXX XXXX is XXXX which clears my account of any derogatory strikes, and any late payment. There was an incorrect 30 day late on my account from 2023 that has been removed.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Equifax Customer Service, I am writing to formally dispute inaccurate information on my Equifax credit report. Upon reviewing my report, I noticed discrepancies that I believe need to be corrected. 

The account in question is with XXXX XXXX. My credit report indicates a remark code was added, stating " Fixed rate. '' Additionally, the payment history update reflects late payments and a charge-off, which I believe are incorrect. Previously, the account was shown as current or unknown, and there was no indication of these negative changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MN

Complaint narrative:
I had received a call from them asking to validate a debt that was not mine. They refused to share any details about the debt or where it came from so I blocked the number. Fast forward a couple months later and I noticed my credit score dropped by XXXX points. Come to find out they reported a XXXX dollar medical debt on my credit. I have submitted a dispute through experian. Upon researching this company, the XXXX reviews have countless XXXX star reviews of people stating this company has regularly committed debt collection fraud. This company needs to be shut down and investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Phone line in my name. Phone was never received, phone number was never used... not one phone call or text was sent from said phone number.

I filled out AT & T 's affidavit and sent along a police report.

AT & T researched the account. The account was set up through them but never activated or used. I have stated that it wasn't my account. I submitted a police report. AT & T fraud : They would care of it as they dismissed the account. They didn't dismiss the account, but they reduced the charges, which wasn't what I was told would happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I still have information that isn't mine being reported and I would like it removed immediately as it relates to 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I still have information that isn't mine being reported and I would like it removed immediately as it relates to 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I still have information that isn't mine being reported and I would like it removed immediately as it relates to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I sent a cease and desist letter to LVNV Funding LLC regarding account Account # XXXX ( XXXX XXXX Bank ), demanding that they stop all communication with me, including reporting to credit bureaus, as this constitutes a form of communication under the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, they have continued to report the account to credit agencies, which I consider a violation of my rights under 15 U.S.C. 1692c ( c ).

I also requested debt verification per 15 U.S.C. 1692g, but LVNV Funding LLC has not provided proper validation of the debt. Instead, they have persisted in reporting the account to credit bureaus, negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report it states that there are late payments on my XXXX  credit card. Now this is false as all payments were made on time and in full. Kindly update this account to pay as agreed and or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation