vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC is reporting inaccurate balance. Account is not past due and should reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX. IT IS SHOWING CHASE BANK FRAUDULENT CREDIT CARD ACCOUNT ENDING XXXX IN MY CREDIT REPORT WHICH IS FRAUDULENT AND MUST BE REMOVED NOW IT IS ALSO SHOWING FOLLOWING FRADULENT INQUIRIES THAT MUST BE REMOVED FR MY CREDIT REPORT XXXX  XXXX  XXXX, XXXX XXXX, XXXX  CBNA I AM THE ONLY PERSON WHO MADE THIS STATEMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm repeatedly calls me more then 5 times a day when I block a number they call from another number. Then they have now started calling me on the weekends ( Saturday ) which violates the Fair Act for consumers. They have reported to my credit as delinquent accounts now for 2 months and continue to harris me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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.

Complaint narrative:
I've applied for a mortgage and the financer pulled my credit report from Equifax, and there's an account from XXXX that does not belongs to me, it have an outstanding balance of {$2000.00} more than the credit limit on the credit card, the financer wants that accout to be removed or paid off before our closing date otherwise we won't be able to close the property. I have visited the RBC bank branch and got a letter from them stating i don't have any accounts with them. I've called Equifax many times and all they say is it's in progress and will take XXXX days but our closing date is less than 20 days now. I have provided all the proofs that the account does not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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
Consumer complaint received 2025-04-12 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: MI

Complaint narrative:
My personal and financial information was compromised, violating FERPA. I request full cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I paid the final payment to credit card company the month I paid the final payment. They send it to collections and then included fees that were not old. I requested a validation of debt never received it. The company continues to report on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date : XX/XX/year> Spring Oak Capital, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Under 15 U.S.C. 1692g Reference Account Number : To Whom It May Concern, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, which grants consumers the right to request validation of an alleged debt. This is not a refusal to pay, but a formal notice that your claim is disputed and a request for full validation is being made. A request for the amount you purchased said debit for. There was a payment of XXXX XXXX XXXX XXXX XXXX. Which should suffice if not. 

Please provide the following documentation : A complete itemized accounting of the alleged debt, including a detailed payment history that shows how the amount was calculated and any fees or interest that were applied. Make sure to include all payment history A copy of the original contract bearing my original signature, indicating my agreement to the terms of the alleged debt with the original creditor. 

The name and address of the original creditor, and a full chain of title or assignment showing how this alleged debt has changed ownership or servicing from the original creditor to your agency. 

Copies of any insurance claims filed in connection with this debt, if applicable.

Verification that you are legally authorized to collect on this debt within my state jurisdiction.

Until the above information is provided and the debt is fully validated, I request that all collection activity cease as required under the FDCPA. 

If you fail to provide the requested documentation within 30 days, or continue to pursue collection activity without validating the debt, I will not hesitate to report your agency to the appropriate federal and state authorities for violation of my rights under the FDCPA. 



Please communicate with me in writing only at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
XXXX XXXX was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXXXXXX XXXX XXXX. However, Equifax has not removed this from their report. 

XXXX XXXX was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXXXXXX XXXX XXXXXXXX. However, Equifax has not removed this from their report. 

XXXX XXXX XXXX is reporting inaccurate balance. Account is not past due and should reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
Incorrect reports of charge off for auto loan on my account. This is cause of stress and XXXX in my life

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 1

5 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} Experian XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00}

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 2025-04-12 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 1

5 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} Experian XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00}

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: PA

Complaint narrative:
It appears an inaccurate late payment on my credit report but I have a lender-approved extension that shows no payment was due during that time, and I should not have been marked as late.

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 2025-04-12 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, 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, XXXX 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 against them for similar violations. I request that the cfpb take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complai

nt to formally report serious issues related to my student loan account ( s ), including : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) : I believe my data has been exposed or misused in a manner that violates the Family Educational Rights and Privacy Act ( FERPA ). 2. Violation of Title IV Funding Conditions : The institution involved may have mismanaged federal student aid funds in violation of Title IV regulations, including but not limited to improper certification or servicing of my loans.

3. Data Breach and Privacy Concerns : I have reason to believe that my personal and financial information was involved in a recent data breach either through the loan servicer or school, which I was not properly notified about. This compromises my financial security and may qualify me for loan discharge under federal regulations. 
Request : Given the above, I respectfully request : A full investigation into the potential FERPA and Title IV violations.

Written documentation regarding the breach or misuse of my data.

Immediate discharge or cancellation of my federal student loans as permitted under applicable law due to mishandling or eligibility violations.

Thank you for your time and attention to this matter. 
Sincerely, Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX Phone : XXXX MOHELA Account Number : 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 2025-04-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have credit inquiries on my account even though i did not apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have credit inquiries on my account even though i did not apply for anything

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 2025-04-12 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my equifax credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I notice my credit score went down dramatically. So when I went to check my credit report I notice a credit account I dont recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
Please see the attachments below and remove. I already mailed and they did not remove, ty

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This company lied about providing extra cashback from my BP gas purchase! They can make all the excuses they want! They and XXXX lie and change the cashback value to just one cent right before you fill up! Disgusting scammers!

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments

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 2025-04-12 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: Experian Information Solutions Inc.
State: NC

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 explanation