vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Debt Immediate Removal Required To Whom It May Concern, I am writing to formally dispute the collection account that your company has reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I request immediate validation of this debt, including but not limited to : 1. A copy of any signed agreement or contract proving I am legally responsible for this alleged debt. 
2. The full accounting of the debt, including original creditor details, amount owed, and itemized charges.

3. Proof that your company has the legal authority to collect this debt.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), inaccurate or unverified accounts must be removed from my credit report immediately. If you can not provide verifiable proof within 30 days, you are legally required to delete this collection from all credit bureaus per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in legal action against your company for violations of consumer protection laws. I have retained legal counsel and am prepared to escalate this matter in federal court under 15 U.S. Code 1692k, which allows me to seek damages for any unlawful collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number : [ Your Account Number ] Dear [ Debt Collectors Name ], I am writing to you in response to a notice I received regarding an alleged debt with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Please note that this is not a refusal to pay, but rather a request for clarification and verification of the debt. 

Please provide the following information : 1. Proof that you have the legal right to collect this debt ( including a copy of the original creditors agreement and any transfer of ownership ).

2. Detailed account information ( including the original amount of debt, any fees or interest added, and the date the debt was incurred ).

3. Proof that I am legally obligated to pay this debt ( such as a signed agreement or contract ). 
4. A copy of any judgment, if applicable.

5. The name and address of the original creditor ( if different from the current creditor ).

Please provide this information in writing within 30 days of receiving this letter. If you are unable to provide adequate validation, I request that you cease all collection activity and remove any negative reporting related to this debt from my credit report.

Please also note that all future communication regarding this matter should be conducted in writing.

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe my personal information was compromised without my knowledge or consent. I was notified by a collection agency etc. how I became aware of the identity theft. I found that provided details about the fraudulent activities were uncovered such as unauthorized accounts, or other pertinent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy. 

Given the XXXX XXXX XXXX XXXX in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may be the result of compromised data. This breach has led to a significant increase in identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.

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 2025-03-19 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
+

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 2025-03-19 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
ACCOUNTS XXXX XXXX {$630.00} XXXX  {$1100.00} XXXX XXXX {$520.00} XXXX  FIN XXXX {$1100.00} XXXX  XXXX {$3200.00} XXXX  FIN XXXX {$500.00} XXXX  XXXX {$1900.00} INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX COAF XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: NY

Complaint narrative:
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet misclassified my student loans under DL XXXX XXXX XXXX 100 % XXXX, incorrectly listing me as a veteran. I am NOT a veteran and never applied for any military benefits. This servicer error has impacted my loan status, repayment terms, and financial records. Despite requesting proof of how this classification was applied, Nelnet has failed to provide any documentation to justify this error. 

I have already submitted a formal complaint with Federal Student Aid ( FSA ), but I am now escalating this issue to the CFPB to ensure my loans are either fully removed or corrected. This misclassification has affected my financial records and credit report, and I am seeking an immediate resolution. Nelnet must provide written proof of how this classification was applied or remove the misreported loans entirely. I request a full loan discharge due to servicer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against EXPERIAN, TRANSUNION and EQUIFAX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to provide the Method of Verification ( MOV ) after verifying a disputed account on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be properly verified, it must be immediately deleted from my credit report. Since the credit bureau has failed to verify the disputed item properly, I request the CFPB to investigate this matter and ensure compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I am filing this complaint against EXPERIAN, TRANSUNION and EQUIFAX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to provide the Method of Verification ( MOV ) after verifying a disputed account on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be properly verified, it must be immediately deleted from my credit report. Since the credit bureau has failed to verify the disputed item properly, I request the CFPB to investigate this matter and ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 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: WI

Complaint narrative:
I want these reported accounts to be removed. 

XXXX XXXX - charged multiple times for incorrect things XXXX would not look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
XXXX XXXX XXXX has reported my account 30 days behind in XX/XX/2020,XX/XX/2020 and XX/XX/2020. This information is incorrect. This account was paid off by XXXX and I have the letter confirming. The company took extra money from me in the amount of {$1000.00}. I have asked this company to remove the late payments because I have always paid this account on time and they were determined to ruin my credit and report incorrect late payments. Then after they told me they'd be willing to give me a loan for another car. They have damaged my credit health and it has costed me more money and higher interest rates.

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 2025-03-19 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: CT

Complaint narrative:
XXXX XXXX XXXX has reported my account 30 days behind in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This information is incorrect. This account was paid off by XXXX and I have the letter confirming. The company took extra money from me in the amount of {$1000.00}. I have asked this company to remove the late payments because I have always paid this account on time and they were determined to ruin my credit and report incorrect late payments. Then after they told me they'd be willing to give me a loan for another car. They have damaged my credit health and it has costed me more money and higher interest rates.

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 2025-03-19 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: CT

Complaint narrative:
XXXX XXXX XXXX has reported my account 30 days behind in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This information is incorrect. This account was paid off by XXXX and I have the letter confirming. The company took extra money from me in the amount of {$1000.00}. I have asked this company to remove the late payments because I have always paid this account on time and they were determined to ruin my credit and report incorrect late payments. Then after they told me they'd be willing to give me a loan for another car. They have damaged my credit health and it has costed me more money and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1300.00}, and XXXX XXXX XXXX on XXXX with a balance of {$800.00}, and XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$800.00}. 
several 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-19 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: MI

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Urgent Request Fraudulent Information and Inquiries Block under Section XXXX of the FCRA Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Accounts in Dispute : 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/year>

Company response to consumer: Closed with explanation