vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts from my credit report due to identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

I recently discovered that accounts were fraudulently opened in my name with XXXX XXXX XXXX XXXX. Specifically, the following accounts do not belong to me : Account Number : Unknown Fraudulent Amount : {$15000.00} Account Number : XXXX Fraudulent Amount : {$5000.00} As per the FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the blocking of this information from my credit file. I have attached the necessary documentation, including : 1. A copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. A copy of my government-issued identification 3. Any additional documents necessary to support my claim Additionally, the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681g require that fraudulent accounts be removed, and I request that any debt collectors be informed that these accounts resulted from identity theft. 
Please confirm in writing that these fraudulent accounts have been removed from my credit file. If you need further information, you may contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. I expect written confirmation within 30 days as required by law

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 2025-04-02 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts from my credit report due to identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

I recently discovered that accounts were fraudulently opened in my name with XXXX XXXX XXXX XXXX. Specifically, the following accounts do not belong to me : Account Number : Unknown Fraudulent Amount : {$15000.00} Account Number : XXXX Fraudulent Amount : {$5000.00} As per the FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the blocking of this information from my credit file. I have attached the necessary documentation, including : 1. A copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. A copy of my government-issued identification 3. Any additional documents necessary to support my claim Additionally, the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681g require that fraudulent accounts be removed, and I request that any debt collectors be informed that these accounts resulted from identity theft. 
Please confirm in writing that these fraudulent accounts have been removed from my credit file. If you need further information, you may contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. I expect written confirmation within 30 days as required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Nelnet, Inc.
State: GA

Complaint narrative:
The late payments reported on my credit report are in violation of the CARE ACT. 

U.S. Department of Education Subject : Formal Dispute of Inaccurate Late Payments in Violation of the CARES Act Dear U.S. Department of Education, I am writing to formally dispute the late payment entries that have been reported on my credit file regarding my federal student loan ( XXXX ). These late payments are inaccurate and violate the protections outlined in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. 116-136. 

Under the CARES Act, Section 3513, all federally held student loans were placed in administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX ( with extensions thereafter ). During this period : Loan payments were suspended. 
Interest rates were set to 0 %. 
No borrower should have been reported as delinquent or late to the credit bureaus. 

However, my credit report reflects the following inaccurate late payment entries : Because my loan ( XXXX ) were covered under the CARES Act protections, these late payments should not have been reported. I request that you immediately correct this error and instruct all relevant credit reporting agencies to remove these incorrect late payments from my credit file. 

To support my claim, I have enclosed copies of my loan statements, account history, and any relevant correspondence with my loan servicer confirming my eligibility for CARES Act protections. 

If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore any legal remedies available to enforce my rights. 

Please confirm in writing that these errors have been corrected and provide documentation verifying the updates to my credit report. I appreciate your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized collection accounts appearing on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Some of these collections appear on only XXXX or XXXX bureaus, indicating inconsistencies and inaccuracies. Additionally, I have reason to believe that certain collection agencies have obtained and reported my personal financial information without my consent, violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was previously informed by a Capital One representative that they would issue XXXX courtesy late fee XXXX XXXXXXXX time per year. I recently requested XXXX and they cited they could not provide one because they provided XXXX in XXXX. This XXXX on their policy of previously citing/confirming to me that they grant XXXX per YEAR. I want my current late fee of {$25.00} refunded. I am a long-standing customer ( over 10 years ) and a refund of a {$25.00} late fee for an account I didn't even realize a payment was due on is the least they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-04-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is a credit card that is not mine. I have attached the credit report that shows that the credit card has been deleted. I have also attached a identity Theft report as well with dispute letters.

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 2025-04-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-02 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: OH

Complaint narrative:
Subject : Urgent Dispute Fraudulent Collection Account on XXXX XXXX TransUnion To the Consumer Financial Protection Bureau, I am filing a formal dispute regarding a fraudulent collection account that has been improperly reported on my XXXX and TransUnion credit reports by XXXX XXXX XXXX in the amount of {$5100.00}. This account does not belong to me. I have never rented or lived in an apartmentI have resided with family since XXXX. I have no contractual obligation to this alleged debt, and I did not authorize this account in any way. 
Additionally, XXXX XXXX XXXX is not registered with the XXXX to legally collect debt in my state. This means they do not have the legal authority to pursue collection activity or report this debt on my credit file. Their reporting and collection efforts are in direct violation of consumer protection laws. 
My personal information was compromised in the XXXX breach, the XXXX and XXXX XXXX XXXX XXXX XXXX, and the National breach. These security failures exposed my sensitive data, which was subsequently used by an identity thief to fraudulently obtain an apartment in my name. I have already taken appropriate steps to protect myself, including filing reports with the FTC, law enforcement, and credit bureaus, yet this fraudulent account continues to appear on my credit reports. 
This false reporting constitutes multiple violations of federal consumer protection laws, including but not limited to : 31 U.S.C. 5118 Prohibiting the enforcement of fraudulent debts. 
Regulation F Governing debt collection practices and requiring legitimate validation. 
15 U.S.C. 1681 ( o ) Holding furnishers of inaccurate credit data liable for damages.

15 U.S.C. 1681 ( b ) Limiting access to consumer reports for permissible purposes only.

18 U.S.C. 1028 ( A ) Addressing identity theft and fraudulent use of personal information. 

Given these legal violations, I am demanding the immediate and permanent deletion of this fraudulent collection account from both my XXXX and TransUnion credit reports. Furthermore, I request a formal investigation into XXXX XXXX XXXX for their unlawful reporting practices and a written confirmation that this account has been permanently removed. 

Failure to comply with my dispute request will leave me no choice but to escalate this matter further, including filing complaints with the FTC, state attorney general, and legal authorities for violations of my consumer rights. 
Please investigate this matter immediately and ensure my rights under federal law are upheld. I expect a timely resolution and confirmation of the removal of this fraudulent account. 

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I numerous contact them personally thru phone and numerous I been denied. I am puzzled with data file frozen. The security freeze is designed a suspicious of fraudulent in my name. However Equifax keeps stating I have no freeze, which I could get a score. No information to view for XXXX years. And what up of asking me to mail my credentials numerously. And if the freeze is cause by fraudulent I must be told if information on my fie has been used against me.cause I been denied constantly for a credit.to access my file is limited. I do understand under the FCRA if a consumer reporting agency or, in some cases, a use of consumer reporting agency or furnished of information to a consumer reporting agency violate the FCRA I may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$2600.00}

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 explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I can't give specific dates cause I never expected it to get to this. But Chase stole my money and closed my account. 
But I deposited a XXXX party check for XXXX XXXX and something dollars and change. First the put a hold on my account for 10 days. When I called and found this out it was on day 7. They told me that they needed to verify the the check holder gave me permission to deposit and cash the check. But the only way to do this was by running a phone number threw some system and it had to be in his name and they would call and talk to him but we only had 10 days before my account got closed to do this. Well he didn't have a phone but we went and got one turned on and I paid for it cause his money is tied up in my account. That was not enough cause the number MUST register to him in there system that they use to verify that a phone number belongs to a person. Well called the phone company and they knew what I was talking about about. They updated that system on there end. Called the bank back and it's still not showing. I have called to verify the number once a week at least for going on 2 months now. I have went into the bank to get assistance and all they do is tell me that they can't do anything there hands are tied that the back office has to handle the situation. I have argued with them that it's obvious there Varifacation system doesn't work and that they have to have another way to verify someone. They say no that the phone is the only way. Chase Bank has over XXXX XXXX dollars of our money. I know I'm not the only one with this problem. They need to have another way to verify people. Cause making them buy phone service is wrong. We want our money. We did nothing wrong to make them close my account. The check was issued by a law firm here in town. And they won't issue another one because they are showing on their end the check has been cashed. It's not fraudulent it's totally legit. We want our XXXX XXXX dollars. They need to figure out how to give it to us if there Varifacation system is not working. Cause I'm tired of hearing the only way to verify a person is with a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
These chargeoffs are being reported with a past due balance and payment status of 120 days late on my XXXX credit report. Account keeps coming back verified everytime i dispute it. I never had a account or signed a contract with this company, It is agianst FCRA for a charge off to be reported on a credit report as being late and reporting a past due balance. This company does not have the right to be reporting anything on my credit report. Canceled debt is considered income and it is illegal for income to be reported on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX is reporting a fraudulent account to my credit report in the Experian XXXX as of XX/XX/XXXX. This same account was disputed last year in XX/XX/XXXX and removed. I have disputed it with Experian and the keep putting it back while it has not been verified because I am not the owner of that account and I reported Identity theft to the Bureau in XX/XX/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