vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
To Whom It May Concern and the Department of Education I am writing to formally dispute multiple violations related to my student loan account, including unauthorized access, improper loan reporting, and unlawful restrictions on my repayment options. These violations have directly impacted my financial standing and legal rights under federal law.

1. * * Data Breach and Privacy Violation * * It has come to my attention that XXXX XXXX and other sources has accessed my student loan information, which constitutes an unauthorized disclosure and a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). This breach has compromised my personal financial data, violating my right to privacy under federal law. Furthermore, NPR has reported that my private loan details have been improperly handled, further exacerbating these violations.

2. * * Illegal Restrictions on Forbearance and Deferment * * I have been informed that XXXX XXXX has stated that forbearance and deferment are not permitted. This is in direct violation of the Higher Education Act, which explicitly provides borrowers with the right to request forbearance or deferment under qualifying circumstances. Denying me these legal options violates my rights as a borrower and imposes undue financial hardship.

3. * * Unlawful Late Payment Reporting * * My student loan servicer has reported late payments without proper notification, which is a violation of 15 U.S.C. 1666 ( b ) and the Fair Credit Reporting Act ( FCRA ). Under these regulations, I must be given adequate notice before any negative information is furnished to credit bureaus. The failure to adhere to these requirements has caused unnecessary damage to my credit profile. 

Given these serious infractions, I request immediate corrective action, including : - A full investigation into the unauthorized access of my student loan records. 
- The immediate correction of any inaccurately reported late payments and the removal of any negative marks resulting from the improper reporting. 
- Restoration of my right to request forbearance or deferment in accordance with federal law. 
- Written confirmation of the steps taken to address these violations within 30 days of receipt of this letter. 

If these issues are not resolved promptly, I will explore further legal options, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Justice.

Please consider this letter a formal dispute under the Fair Credit Reporting Act and other applicable federal regulations. I expect a response addressing these matters at your earliest convenience.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX ( Sunday ) : I XXXX  my friends {$400.00} for 3 times, which came to {$1200.00} in total. The transaction is for my concert ticket, my friend bought the ticket for me, and I have to give the money back to him, but he is my new XXXX  recipient. 
XX/XX/XXXX ( Monday ) : All transaction I made were declined, and I found both my checking and saving account were deleted from my BOA App. Before this happened, I never received any transaction alerts or email reminders. I called the BOA online assistant at once, and he told me my account was closed permanently for business decision. Then I asked for the reason cuz I didn't do anything illegal, but he refused to response. 
XX/XX/XXXX ( Tuesday ) : I went to the branch at XXXX, and asked for the reason, they still refused to tell me what happened specifically, but only told me the decision of closing my account permanently and can not reopen anymore, which was unfair and disrespectful. I'm in a really special situation, I am currently a XXXX XXXX in XXXX XXXX, and the BOA debit card is the only debit card I have in the XXXX, which included my tuition fees, housing rent and my living costs as well, which means I don't have any cash at that moment. I need a reasonable reason why they forced to close the only account I had in the XXXX. And I didn't do anything illegal, even the only suspicious transaction of {$1200.00}, I can offer the receipt of the concert.

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 2025-04-03 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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:
student loan accounts are showing up on my credit reports and do not belong to me.

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: NC

Complaint narrative:
student loan accounts are showing up on my credit reports and do not belong to me.

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: PA

Complaint narrative:
am filing a formal complaint against XXXX XXXX for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ). XXXX  XXXX is knowingly reporting false, misleading, incomplete, and duplicative information to the credit reporting agencies Experian, Equifax, and TransUnion causing severe and unjustified damage to my credit file. 
XXXX. Duplicate Account Reporting XXXX  XXXX is reporting the same account multiple times under slightly different names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This creates the false appearance of multiple derogatory accounts, inflating my negative payment history and violating FCRA 602 ( maximum possible accuracy ) and 623 ( duty of data furnishers ). 
Continued Reporting After Account Closure XXXX  XXXX is reporting charge-offs month after month ( CO ) even though the accounts are closed. 
Reporting CO monthly in XXXX and XXXX after closure is factually incorrect, deceptive, and directly violates FCRA 611.

This is a re-aging tactic intended to keep the account appearing newly delinquent, which is illegal.

Inconsistent and Conflicting Information One entry reports a balance of {$950.00} on a closed account with a credit limit of {$850.00}, which exceeds the limit on a closed account this makes no sense and is unverifiable. 
Another entry reports a past due amount of {$390.00} with no accompanying payment history or active status. 
Dates of last activity, balance updates, and charge-off notations are conflicting across entries for the same account. 
Reporting on Accounts with No Payment History Some of the XXXX XXXX  entries reflect charged off as bad debt yet show no payment history whatsoever, making the charge-off status unverifiable and unsupported a direct violation of FCRA 623 ( a ) ( 1 ) ( A ).

THESE ACTIONS VIOLATE : FCRA 602 Failure to ensure maximum possible accuracy.

FCRA 611 Failure to correct or delete inaccurate/unverifiable information.

FCRA 623 Duty of furnishers to report accurate data.

FCRA 605B Failure to block information resulting from identity fraud ( if applicable ).

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: CA

Complaint narrative:
I disputed inaccurate information that XXXX had furnish to the creditor bureaus, and there was no resolution into the investigation. The creditor and credit bureaus are illegally double reporting a collection on my credit report more than twice with different open dates for XX/XX/year> and XX/XX/year>. I reported the account as fraud and provided a police report, but the creditor and credit bureaus are still reporting inaccurate information with double reporting the collections accounts twice that is damaging 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 non-monetary relief
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and I have no explanation for it. I always monitor my report, and this unexpected discrepancy has left me extremely frustrated. I even refreshed my browser, hoping it was an error, but nothing changed. I need this issue resolved immediately, and I expect a thorough review of the documents I sent to prevent this from happening again.

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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, and Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This Nordstroms Bank XXXX XXXX XXXX XXXX was opened by me iin XXXX. It has a credit limit of XXXX. It is a TD Bank credit card. Two years ago I reported XXXX stolen as my XXXX year end statement showed I was overcharged, double and triple. I wrote a letter about the suspicious activity and sent it certified, XXXX years ago. I was sent a new card with a large beginning balance XXXX which accrued interest. The charges were not mine. I was told by Nordstroms Fraud Department they took a long time to investigate however they never investigated. The amount of unauthorized charges on this TD Bank Credit Card reported to the police in XXXX of XXXX has increased to XXXX and I am receiving collection calls after I sent a police report. I understand TD Bank has a Consent Order which I wish to utilize in the recovery of money I have paid against debt which is not mine. All of the things outlined in the Consent Order as violations against consumers who have a TD Bank credit card have happened to me. The Nordstroms Customer Service representatives, collection agents and the fraud department have taken too long to cure the default, failed to follow FTC guidelines within a reasonable time, failed to conduct an investigation and continue to commit all the violations against this consumer enumerated in the Consent Order. It is very clear TD Bank has not made corrections in their banking practices. Please contact me at ( XXXX ) XXXX to provide me with information about how I can make a claim to recover money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : LVNV FUNDING LLC  XXXX {$870.00} Date Opened : XX/XX/year> Under XXXX5 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
I have submitted my documents to the credit bureaus several times. I uploaded my doccuments to Experian and XXXX days later they send me a response stating that my dispute are ready and that the items remains. That's not the disputing process by law. 
XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX and several fraudulent inquires that does not belong to me. Address I never lived at also.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief