vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Experian and Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} 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 XX/XX/XXXX These Items 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 copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXXour business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-24 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: NJ

Complaint narrative:
Ongoing FCRA and Regulation F Violations by Experian Failure to Conduct Reasonable Investigations and Improper Furnishing of Information Dear CFPB, I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( XXXX XXXX XXXX ) enforced by the CFPB. I have submitted XXXX written dispute letters to Experian dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the removal of erroneous accounts and unauthorized inquiries. Despite these efforts and documentation, Experian has failed to take corrective action or respond with verifiable reinvestigation results. 

This conduct not only violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ( failure to provide method of verification ), but also breaches XXXX XXXX. XXXX, which prohibits consumer reporting agencies from furnishing information without a permissible purpose, and XXXX XXXX. XXXX, which mandates the blocking of information resulting from identity theft. 

Furthermore, Experian is acting in direct violation of XXXX XXXX, which governs communication and verification standards under the XXXX XXXX XXXX. Experian continues to publish and distribute derogatory information related to accounts that were never authorized, originated without my consent, and may be tied to identity theftas supported by my filed FTC Identity Theft Report ( # XXXX ). 

Disputed Accounts ( Still Reporting Without Verification ) : XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX ( Still Reporting Without Permissible Purpose ) : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Despite my repeated demands, Experian has failed to : Provide the method of verification or documentation proving these accounts were authorized by me Offer any description of its reinvestigation process, as required by XXXX XXXX XXXX Remove or block the disputed accounts, even after notification of identity theft Their refusal to remove these entries, communicate verification procedures, or validate account origin, amounts to willful noncompliance under XXXX XXXX. XXXX and XXXX XXXX. XXXX, and a systemic failure to meet the CFPBs Regulation F requirements for accurate and fair consumer reporting. 

I request the CFPB to immediately investigate Experian and enforce : Full deletion of all disputed accounts and inquiries Monetary penalties for continued noncompliance Oversight to ensure Regulation F standards are upheld moving forward Attached are copies of my dispute letters and identity theft report for your review.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My personal and financial information was compromised without authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach clearly violates FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise on my personal and financial information, I request that you immediately discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Urgent Request for Resolution of Inaccurate Credit Reporting As of XX/XX/year>, I have been engaged in an ongoing effort to correct inaccurate information reported on my credit file. Despite multiple attempts to resolve this issue directly with the source, I have encountered persistent roadblocks. Due to these unsuccessful attempts, I escalated my concerns by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). However, instead of making progress, I have experienced further setbacks as the credit reporting agencies have continued to report inaccurate information, severely impacting my credit score. 

In an effort to address this matter directly, I relied on the contact information provided in my credit report to reach out to the reporting creditor. Unfortunately, my certified letter was returned as undeliverable due to incorrect contact details. Additionally, after contacting XXXX XXXX XXXX by phone, I was informed that they were unable to verify when or how the credit bureau last confirmed the accuracy of the reported data. This raises serious concerns about how the credit reporting agencies are obtaining and verifying this information. 

Furthermore, I have observed inconsistencies in how this account is being reported across different credit bureaus, particularly between Experian and Equifax. This discrepancy further indicates that the data source may be unreliable or incorrect. Given these ongoing issues, I request the following : The immediate removal of any inaccurate or unverifiable information currently being reported.

A clear and sufficient means of contact or communication with the appropriate creditor or reporting agency so that I may address my concerns regarding these discrepancies directly. 

A detailed explanation of how the credit reporting agency verifies the accuracy of reported information and the exact source from which this data is obtained. 

A fair resolution to this matter would be either the removal of the inaccurate information from my credit report or the provision of accurate and verifiable contact details for the reporting creditor. Continued reporting of incorrect information not only violates the Fair Credit Reporting Act ( FCRA ) but also unjustly affects my financial standing. 

I expect a prompt and thorough investigation into this matter and request a written response detailing the steps taken to address my concerns. If this issue is not resolved in a timely manner, I will be forced to escalate my complaint further with the CFPB and explore all available legal options to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
RECEIVED AN LETTER DATED 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 XXXX XXXX XXXX XXXX STATES NO ACCOUNT WAS FOUND !!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Discover card ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX XXXX are in receipt of your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. According to our records, the above-referenced account was opened in your name on XX/XX/XXXX, through an application received on XX/XX/XXXX. You provided your address, social security number, date of birth, and we verified the information based on the request to open the account. As the application was submitted via the internet, there is no signed application to provide. However, you did provide your electronic acknowledgement and agreement to the application terms and conditions. To further confirm the validity of your account, you activated your card on XX/XX/XXXX, during a phone conversation with a Discover representative. On XX/XX/XXXX, you registered for Discovers online account center using the email address XXXX. There have also been documented instances of security codes being sent via text message to the phone number ending in XXXX and being successfully validated. It is noted that this phone number matches the information you provided with your CFPB correspondence and the application you submitted for the account. Your account first went delinquent on XX/XX/XXXX, and charged off due to non-payment on XX/XX/XXXX, with a balance of {$5900.00}. Subsequently, your account has been placed with XXXX XXXX XXXX, XXXX. for further collection efforts on our behalf since XX/XX/XXXX. A lawsuit was filed in the XXXX XXXX XXXX on XX/XX/XXXX, and a judgment was awarded on XX/XX/XXXX. An execution of judgment was filed on XX/XX/XXXX. We are unable to provide any billing statements for the account as they are unavailable due to the age of the account. Additionally, we are unable to provide any of the additional information you requested in your CFPB correspondence, due to the sensitive and/or proprietary nature of the information. You XXXX contact XXXX XXXX XXXX, XXXX. at ( XXXX ) XXXX if you would like to discuss the details of your account. Should you have any further questions or concerns, you XXXX contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have identified XXXX fraudulent accounts in my Equifax report and XXXX unauthorized inquiries that I would like to have removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Charge Off : 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of my rights, your protections, and my debt should be canceled in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, they must update the following accounts from my file. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief