vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that may be a result of the Equifax data breach. I believe that the following information is inaccurate, and I am requesting that it be investigated and corrected immediately. The specific issues I am disputing are as follows ( See attachments ). I suspect this error stems from the Equifax data breach that occurred in 2017, during which my sensitive personal information may have been exposed. As a result I request that you investigate the disputed information, provide me with the results of your investigation and correct or delete any incorrect or fraudulent information. Enclosed I have included the following documents to support my dispute. A copy of items highlighting the inaccurate information, a copy of an identity theft affidavit and a copy of my photo identification card. Please complete this investigation with in the 30 days time frame required by the fair credit reporting act ( FCRA ). If you determine that the disputed information is inaccurate, I request that you notify me and all other credit reporting agencies to update their records accordingly. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that may be a result of the XXXX data breach. I believe that the following information is inaccurate, and I am requesting that it be investigated and corrected immediately. The specific issues I am disputing are as follows ( See attachments ). I suspect this error stems from the XXXX data breach that occurred in 2017, during which my sensitive personal information may have been exposed. As a result I request that you investigate the disputed information, provide me with the results of your investigation and correct or delete any incorrect or fraudulent information. Enclosed I have included the following documents to support my dispute. A copy of items highlighting the inaccurate information, a copy of an identity theft affidavit and a copy of my photo identification card. Please complete this investigation with in the 30 days time frame required by the fair credit reporting act ( FCRA ). If you determine that the disputed information is inaccurate, I request that you notify me and all other credit reporting agencies to update their records accordingly. Thank you for your prompt attention to this matter. I look forward to your 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
On XX/XX/year> I filed a dispute on the following accounts ( XXXX, XXXX BANK ), ( XXXX, CAPITAL ONE ), ( XXXX, XXXX XXXX XXXX ), ( XXXX, XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX the reason of reporting inaccurate information on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( House, CAR, Business Credit ). XXXX violates my rights as a consumer, as well as federal laws. I would like these items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2024 I filed a dispute on the following accounts ( XXXX, XXXX XXXX  ), ( XXXX, XXXX  XXXX ), ( XXXX, MIDLAND CREDIT MANAGEMENT ), ( XXXX, XXXX ) XXXX, XXXX XXXX XXXX Due to the reason of reporting inaccurate information on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( XXXX, XXXX, XXXX XXXX ). XXXX violates my rights as a consumer, as well as federal laws. I would like these items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
After discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, XXXX, Transunion and XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX, Transunion and XXXX has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : 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 2025-01-27 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: VA

Complaint narrative:
After discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, XXXX, XXXX and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX, XXXX and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Inquiry date XX/XX/year> comentiycapital/XXXX XXXX XXXX The results were that inquires are a factual record of file access and will remain on the XXXX  credit file two years from the file date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
The information on my credit report is inaccurate with my personal name and address on XXXX, transunion, & 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The information on my credit report is inaccurate with my personal name and address on experian, 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I requested a investigation and asked all inaccurate information be removed. I have not received details of investigation and how the investigation was made and inaccurate information is still on my consumer 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
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I requested a investigation and asked all inaccurate information be removed. I have not received details of investigation and how the investigation was made and inaccurate information is still on my consumer 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
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I have several dept of ed nelnet charges on my credit report that have been approved for 'forgiveness ' about a year ago by now but all the charges still reflect on my credit report. I need this to be taken off as it does not reflect a proper XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
due to the inaccurate information on my credit report that TransUnion XXXX and XXXX is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a XXXX XXXX XXXX XXXX of total XXXX XXXX and I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over XXXX times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately

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 2025-01-27 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: CA

Complaint narrative:
due to the inaccurate information on my credit report that XXXX Equifax and XXXX is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a real estate investor CEO of total XXXX XXXX and I own a tow truck corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over 15 times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Debt collectors ( Portfolio Recovery ) keep calling me every single day. They also somehow keep refreshing the debt so it keeps showing up as a new item in my credit report via XXXX, XXXX XXXX XXXX. I have asked them multiple times to send me verification and they hang up. Since they refuse to send info I have not been answering any calls. There are also 2 closed accounts on my credit that I have tried to get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act U.S.C. $ 1681i, which mandates a reasonable investigationof disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I paid to order my credit report and reviewed my report for errors. I then paid to print if the dispute letters and paid to have them mailed to Experian for Experian to email me saying they received a notification about my credit report from someone who is not me and is unauthorized so no action was taken on my dispute after I paid almost over {$100.00} and spent a lot of my time to gather those documents and mail them. For years this company has misreported my information and has caused significant hardships on my life and now they blatantly disregard my efforts to better my life. They have completely violated my rights.

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 2025-01-27 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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