vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I recently discovered an account from Jefferson Capital Systems on my credit report, which is associated with XXXX XXXX for a balance of {$1600.00}. This account is fraudulent, as I never opened or authorized any account with XXXX. The account was allegedly opened on XX/XX/XXXX, and marked as past due in XX/XX/XXXX. However, I have no knowledge of this account, nor did I make any transactions related to it. 

This is a clear case of identity theft, and I am requesting the immediate removal of this account from my credit report under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires the deletion of fraudulent accounts upon notice from the victim. 

Actions Taken : I am formally disputing this account with all three credit bureaus ( XXXX, XXXX, and XXXX ) and requesting that it be removed. 
I am requesting Jefferson Capital Systems to cease collection efforts and delete the account immediately. 
I am providing an identity theft report to support my claim. 
This fraudulent account is damaging my credit and preventing me from obtaining financial opportunities. I expect an immediate investigation and permanent removal of this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt. 
Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action. 
If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations. 
I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter. 

Sincerely, 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization, violating FERPA and your responsibility to protect my records. Given the severity of this breach, I request the immediate cancellation and discharge of my XXXX XXXX debt 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization, violating FERPA and your responsibility to protect my records. Given the severity of this breach, I request the immediate cancellation and discharge of my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Was trying to dispute things on my credit but everytime I tried Credit Karma said it had an issue and said to try again. It continued this for over 3 hours. I then tried to get help with an assistant and after getting in touch, she said let me check something, give her 2 minutes. I replied after 5, 10, then 20 minutes and still there was no answer. I couldn't file my dispute, get help on filing it, get help on why the site wouldn't let me, and more. The screenshot I took will also show the time at the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Student Loan Dispute My personal information was compromised without my authorization. The Department of Education unlawfully shared financial aid datasets with the XXXX XXXX XXXX XXXX, or XXXX, that include students names, Social Security numbers, dates of birth, contact information, demographic information and bank account information. Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

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 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 2025-02-09 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: TX

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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EdFinancial Services
State: PA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA And your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase refused to give me back my money after my card was fraudulently charged by my contractor for {$34000.00} and I didnt authorize these charges and I have reached out to chase and they did nothing but close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX. Social security XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. CODE S 1681B 15 U.S. CODE S 1681S-1 that you, Equifax, TransUnion, Experiancredit reporting agency, block 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 have been a on going problem that Ive been trying to get this resolved with multiple complaints made by the CFPB This fraudulent, inaccurate, and false information consists of an account that opened up by ( OFFICE OF ATTORNEY GENERAL acct XXXX XXXX opened XXXX XXXX ) Also with the following closed accounts appearing on my FICO consumer report 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 fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. 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 closed accounts 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 # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX. Social security XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. CODE S 1681B 15 U.S. CODE S 1681S-1 that you, Equifax, TransUnion, Experiancredit reporting agency, block 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 have been a on going problem that Ive been trying to get this resolved with multiple complaints made by the CFPB This fraudulent, inaccurate, and false information consists of an account that opened up by ( OFFICE OF ATTORNEY GENERAL acct XXXX XXXX opened XXXX XXXX ) Also with the following closed accounts appearing on my FICO consumer report 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 fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. 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 closed accounts 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 # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I am filing a complaint against Equifax, transUnion, XXXX XXXX  for failing to properly investigate my disputes without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. 
These are the accounts : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report a violation of federal privacy laws, including the Privacy Act of 1974, FERPA, and the Higher Education Act of 1965. Recent evidence shows that XXXX XXXX and unauthorized entities accessed borrower records, including my FAFSA data, IRS tax records, and personally identifiable information ( PII ). 

What I Am Requesting 1. A formal investigation to determine the extent of this breach and whether my records were compromised.

2. Fraud monitoring and protection for affected borrowers, including myself.

3. Immediate steps to prevent misuse of compromised data. 

This breach has raised serious concerns about the security of my personal and financial records. I expect your office to investigate and ensure that borrowers are protected. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Hi I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt. 
Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action. 
If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations. 
I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter. 

Sincerely, 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