vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education XXXX XXXX published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education XXXX XXXX also violates consumer laws in the publishing of non public personal information. Department of Education XXXX XXXX violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I filed Identity theft report with FTC.

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 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management is attempting to collect a debt that has not been properly validated and is inaccurately reported on my credit report. I have notified them in writing of my request for debt validation and issued a formal cease and desist under 15 U.S.C. 1692c ( c ). Despite this, they have continued collection efforts and/or reporting to credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am not aware of any valid agreement obligating me to this alleged debt. They have failed to provide sufficient documentation, including a copy of any original contract or breakdown of charges as required under 15 U.S.C. 1692g ( b ). Their ongoing communication and credit reporting constitute harassment and unfair practices. 

Their actions are also in conflict with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirms a consumer 's right to request validation and be free from continued collection without it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX. My XXXX  XXXX and I are XXXX  cardholders who were victims of a sophisticated phone scam on XX/XX/year>. The scammers posed as XXXX agents and claimed to book us a vacation to XXXX XXXX. They charged our XXXX Citi credit card nearly {$15000.00} : Airfare  : {$7200.00} ( Ref. No. XXXX ) Lodging : {$7600.00} ( Ref. No. XXXX ) We never received any confirmations, tickets, or itineraries. No services were ever provided, and no real booking ever existed. 



On XX/XX/year>, while the charges were still pending, we immediately called Citi to report the fraud. XXXX independent witnesses, XXXX XXXX and XXXX XXXX, were present and participated on the XXXX way phone call. The Citi representative acknowledged that the charges could not be stopped while pending but assured us that we would not be held responsible since this was clearly fraud and a theft of service. Citi initially reversed the charges. 



Since then, Citi has sent several letters demanding we provide documentation of canceled services. This documentation does not exist because the trip was never real. We were scammed, and there was nothing to cancel. We were told at the time that we would not be liable, and we relied on that representation in good faith. 



Despite this, Citi reversed the refund, denied our dispute, and is now holding us responsible. This is unacceptable. There was no contract, no itinerary, and no travel. We reported the fraud immediately. Citi also failed to issue fraud alerts for these unusually large back-to-back charges, despite flagging much smaller transactions in the past. 



This is a clear case of XXXX  financial exploitation and theft of service, and Citi has failed in its obligations under the Fair Credit Billing Act to protect its customers.

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 monetary relief
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I am and have been a victim of identity theft. I have made the creditor and credit bureau aware of these fraudulent accounts and provided legal documentation information them of me being a victim of identity theft as well as informing that these accounts do not belong to me nor did I give any consent to anyone to open these fraudulent accounts. 

XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXXXXXX {$4400.00} XXXX XXXX {$6000.00} XXXX XXXX XXXXXXXX {$870.00} XXXX XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
This account is reported as charged off on different dates across all major credit bureaus and since the account entered charge off status it has repeatedly been updated as charge off every month for each bureau. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX has illegally updated the terms to be {$0.00} per month paid for XXXX  months and is reporting payments to the owed balance, on the charged off credit item. 
XXXX  illegally changing the date of first delinquency to XX/XX/XXXX is clearly an attempt to alter the statute of limitations and is an infringement upon my rights as a consumer. 
XXXX has illegally changed the high balance of the credit item within Transunion to reflect a steady increase in the debt owed. 
XXXX has reported with all credit agencies that the balance is Charged off and has reported a Profit and Loss with the Internal Revenue Service for tax year XXXX. However, I have not received ANY documentation to report as income, they are also still reporting a past due amount, and increasing the balance every couple of months on my credit report. 
On top of all of these obviously illegal practices by the creditor, XXXX continues to attempt to collect the debt while having sold the debt XXXX XXXX to another debt collection agency that continues to harass and call myself and my family. Yet the status of the credit item does not reflect any transfer/sale of the reference debt. 

Experian, Transunion, and Equifax failed to investigate this account property and that neglect has violated my rights/ I am demanding a deletion of the following account. 

ACCOUNT NAME : XXXX - ACCOUNT NUMBER : 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 2025-04-14 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: NY

Complaint narrative:
This account is reported as charged off on different dates across all major credit bureaus and since the account entered charge off status it has repeatedly been updated as charge off every month for each bureau. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX has illegally updated the terms to be {$0.00} per month paid for XXXX  months and is reporting payments to the owed balance, on the charged off credit item. 
XXXX  illegally changing the date of first delinquency to XX/XX/XXXX is clearly an attempt to alter the statute of limitations and is an infringement upon my rights as a consumer. 
XXXX has illegally changed the high balance of the credit item within Transunion to reflect a steady increase in the debt owed. 
XXXX has reported with all credit agencies that the balance is Charged off and has reported a Profit and Loss with the Internal Revenue Service for tax year XXXX. However, I have not received ANY documentation to report as income, they are also still reporting a past due amount, and increasing the balance every couple of months on my credit report. 
On top of all of these obviously illegal practices by the creditor, XXXX continues to attempt to collect the debt while having sold the debt XXXX XXXX to another debt collection agency that continues to harass and call myself and my family. Yet the status of the credit item does not reflect any transfer/sale of the reference debt. 

Experian, Transunion, and Equifax failed to investigate this account property and that neglect has violated my rights/ I am demanding a deletion of the following account. 

ACCOUNT NAME : XXXX - ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: NY

Complaint narrative:
I am a survivor XXXX XXXXXXXX XXXX and exercised my rights under the Debt XXXX  Repair Act and Fair Credit Reporting Act ( FCRA ) 609 & 605C to request a copy of my consumer report and begin the process of blocking adverse items related to my XXXX  situation. 
XXXX XXXX XXXX, through its website and public notices, instructed survivors to send requests to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my formal written request via certified mail. However, the letter was returned to sender as undeliverable. This obstructs my right to : Access my report Dispute or block damaging information Seek protection as guaranteed by the XXXX and FCRA

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 2025-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Under These Laws, My Rights Have Been Violated : 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete, and you are required to reinvestigate the matter within 30 days.

15 U.S.C. 1681c, any outdated negative items ( over 7 years or 10 years for bankruptcy ) must be removed.

15 U.S.C. 1681g, I am entitled to full disclosure of what is on my credit file and how it was sourced.

15 U.S.C. 1681s-2, furnishers of information have a duty to ensure that information is accurate and correct any inaccuracies. 

FTC REPORT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
Under These Laws, My Rights Have Been Violated : 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete, and you are required to reinvestigate the matter within 30 days.

15 U.S.C. 1681c, any outdated negative items ( over 7 years or 10 years for bankruptcy ) must be removed.

15 U.S.C. 1681g, I am entitled to full disclosure of what is on my credit file and how it was sourced.

15 U.S.C. 1681s-2, furnishers of information have a duty to ensure that information is accurate and correct any inaccuracies. 

FTC REPORT : 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 2025-04-13 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like Equifax, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file.

Here we see inaccuracies as marked by blue line under 1 ) Last Activity 2 ) Times XX/XX/year> Days Late XXXX ) Months Reviewed XXXX ) High balance

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a confirmed XXXX XXXX XXXX XXXX I submitted a valid request under FCRA 605C, requiring Experian to block adverse items of information linked to my XXXX XXXX 
While the blocked items no longer appear in my Experian report, my credit score dropped, which violates the legal protection under FCRA 605C ( b ). The law is clear : Blocked adverse information shall not appear in any consumer report or affect the consumers credit score.

Experians failure to preserve or stabilize my score has further limited my access to financial resources, housing, and stability compounding the harm Ive already endured.

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 2025-04-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Received a copy of my credit report recently and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. And also developing a hard cost of living crisis to my children and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NJ

Complaint narrative:
Received a copy of my credit report recently and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. And also developing a hard cost of living crisis to my children and I.

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 2025-04-14 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Nelnet, Inc.
State: SC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA also addresses the confidentiality, accuracy, relevancy, and proper utilization of such information PLEASE DELETE INQUIRIES BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-14 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: IL

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and TransUnion credit reporting agency , turned over my personal information to an agency that is appearing on my consumer credit report that I gave no consent nor sign any documents that my information was to be given to any 3rd party office, in which my personal information is in risk to be stolen or be found on the dark web from a breach. Ive also been a victim of identity theft and fraud. I demand that within 4 business days of you receiving this complaint. This matter be fix, or it will be in the honor of the judge to see that information is being given without consent and I will be ask that this matter is compensated if not remove XXXX pre reporting credit bureau. For fraudulent, inaccurate, and false information consists of a personal credit card account given without my written consent To XXXX XXXX XXXX under the account number ( XXXX ), an XXXX XXXX XXXX XXXX XXXX and also to XXXX XXXX XXXX XXXX a credit card account opened at Capital One.These accounts have resulted in 2 fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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