vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
To validate the legitimacy of this account and any negative information being reported, please provide the following : A copy of the original XXXX XXXX XXXX XXXX XXXXXXXX ) bearing my signature, proving the legal creation of the alleged debt. 

A full Chain of Custody or Assignment of Servicing Rights, documenting all legal transfers of the account from the original lender to any subsequent servicers.

Proof of Legal Authority of the current Loan Servicer, especially in light of recent federal student loan servicer restructurings and transitions. This includes documentation authorizing the current servicer to report to credit bureaus and collect on this loan. 

A full account ledger, including all payments, deferments, and forbearances from the origination date to the present. This is to ensure all credits, interest accruals, and balance updates have been reported accurately and fairly. 

Proof of compliance with all federal and state regulations, including Truth in Lending Act ( TILA ), Higher Education Act ( HEA ), and FCRA requirements.

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 2025-04-25 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:
To validate the legitimacy of this account and any negative information being reported, please provide the following : A copy of the original XXXX XXXX XXXX XXXX XXXXXXXX ) bearing my signature, proving the legal creation of the alleged debt. 

A full Chain of Custody or Assignment of Servicing Rights, documenting all legal transfers of the account from the original lender to any subsequent servicers.

Proof of Legal Authority of the current Loan Servicer, especially in light of recent federal student loan servicer restructurings and transitions. This includes documentation authorizing the current servicer to report to credit bureaus and collect on this loan. 

A full account ledger, including all payments, deferments, and forbearances from the origination date to the present. This is to ensure all credits, interest accruals, and balance updates have been reported accurately and fairly. 

Proof of compliance with all federal and state regulations, including Truth in Lending Act ( TILA ), Higher Education Act ( HEA ), and FCRA requirements.

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 2025-04-25 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: MD

Complaint narrative:
To validate the legitimacy of this account and any negative information being reported, please provide the following : A copy of the original XXXX XXXX XXXX XXXX XXXXXXXX ) bearing my signature, proving the legal creation of the alleged debt. 

A full Chain of Custody or Assignment of Servicing Rights, documenting all legal transfers of the account from the original lender to any subsequent servicers.

Proof of Legal Authority of the current Loan Servicer, especially in light of recent federal student loan servicer restructurings and transitions. This includes documentation authorizing the current servicer to report to credit bureaus and collect on this loan. 

A full account ledger, including all payments, deferments, and forbearances from the origination date to the present. This is to ensure all credits, interest accruals, and balance updates have been reported accurately and fairly. 

Proof of compliance with all federal and state regulations, including Truth in Lending Act ( TILA ), Higher Education Act ( HEA ), and FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
It's been nearly a year since I've been going back and forth with chime. First the said my account was fine then I wasn't able to login. Then I was asked to verify my information taking picture with id with paper with date etc, after doing so 4 times my account was then closed. I was between jobs and ended up 4 days late on paying rent. I was asked to verify my funds and had to have my cousin, my friend, and my child 's father all to write letters and contact them about why they were sending me money and to provide proof of there where there funds come from as they did. I already felt as if that was far to much information to give to receive my money. Then I was told I would receive a check within 30 days then after about 45 days received another agent emailing me telling me my accounts wasn't available for refund. I called and never could get a XXXX of any sort on phone but was then told again I would receive check of my balance. I went back and XXXX calling and emailing and well her we are still haven't gotten anywhere. I have since moved I reported that stlll nothing but the run around. I had my account for many years never had the slightest problem till this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I reached the XXXX payments required for graduate loan forgiveness in XXXX ( or before ). I actually am at XXXX of the XXXX needed. If they do not grant the forgiveness before the end of XXXX I will have to pay federal taxes on it. I have reached out to Nelnet and to the student aid. gov and no one will help me get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened this card years ago. I called to settle and make a deal, and close the account. Chase tried to badger me, and the wouldnt close the account. I also knew I had a right to make a debt settlement with them. They refused to do so. They also refused my right to close the account. They have also raised interest rates. They just wanted to keep me in the debt hole without making a debt settlement payment plan, or allowing me and my right to even simply close the card. Chase has already been involved in multiple settlements. 

My name is XXXX XXXX on the card. I can give you the card number. I have an XXXX XXXX and Chase Sapphire with them. I dont think they were allowed to not allow me to close or negotiate a debt settlement, it is every consumers right to do so. I think they should either close, close my account, cancel my card, and some further action. They have overcharged on interest, and they also didnt let me close or settle. They should close it and it is civil so I dont have to pay them if I dont have enough for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND 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 AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
Debt collector contacted me threatening to take legal action for a debt under {$700.00}, but also forwarded the communication to one of my employees, who is not authorized to handle any of my personal business matters. I had previously made a payment last month, and was intending on making another this month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND 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 AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-04-25 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: WI

Complaint narrative:
Upon reaching out to this company it has came to my attention this account is identity theft I did not open or authorize this account Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ), such as credit bureaus. It essentially prohibits furnishers from providing inaccurate information to CRAs after being notified by a consumer that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I do not recognize. After carefully reviewing my credit report, I discovered these unfamiliar accounts and suspect they may be the result of my personal information being exposed in a recent data breach. 

I have requested validation of these debts from the credit reporting agencies, but to date, I have not received the necessary information. In response to this issue, I have filed a complaint with the Federal Trade Commission ( FTC ) and reported the incident as identity theft. 

Attached are the following documents to support my dispute : A copy of my government-issued ID The FTC Identity Theft Report proof confirming my information was involved in a national data breach A debt validation letter I previously submitted Please investigate this matter promptly and remove any fraudulent or unverifiable accounts from 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 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I do not recognize. After carefully reviewing my credit report, I discovered these unfamiliar accounts and suspect they may be the result of my personal information being exposed in a recent data breach. 

I have requested validation of these debts from the credit reporting agencies, but to date, I have not received the necessary information. In response to this issue, I have filed a complaint with the Federal Trade Commission ( FTC ) and reported the incident as identity theft. 

Attached are the following documents to support my dispute : A copy of my government-issued ID The FTC Identity Theft Report proof confirming my information was involved in a national data breach A debt validation letter I previously submitted Please investigate this matter promptly and remove any fraudulent or unverifiable accounts from 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 2025-04-25 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company has not provided any information or documentation on validation of debts or accuracy of debt

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 2025-04-25 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 a victim of identity theft. There are some cars, credit card and a loan on my 3 reporting agencies I never gave anyone permission or authorization to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I am a victim of identity theft. There are some cars, credit card and a loan on my 3 reporting agencies I never gave anyone permission or authorization to open these accounts.

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 2025-04-25 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 did not authorize this inquiry and had no communication with the lender on the specified date.

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