vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: IL

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 confidentally under 15 U.S.C 1681. 

a " Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602.A.s 15 U.S.C 1681 section 604.A section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 s-2 ( A ) ( 1 )

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 2025-03-05 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: IL

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 confidentally under 15 U.S.C 1681. 

a " Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602.A.s 15 U.S.C 1681 section 604.A section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 s-2 ( A ) ( 1 )

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 2025-03-05 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution.

Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$5500.00} Company Name : XXXX XXXX Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX XXXX XXXX  XXXX Account # : XXXX - Balance : {$490.00} Company Name : XXXX XXXX XXXX XXXX  - Account # : XXXX - Balance : {$2900.00}

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 2025-03-05 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: NY

Complaint narrative:
I filed a report regarding the stolen credit card issue Im experiencing with TD Bank in hopes of it being rectified and finally resolved. Instead I get nasty phone call from one of their employees reciting a script TD Bank gave her to read to me which made me ask inquire to her about what TD Bank is going to do differently around this time because youre repeating what was a said already and furthermore, where is the information regarding the transaction locations and times. The TD Bank employee on the phone then saysTD Bank is not going to do anything, Im just reading what they told me to say. So my next question was what was the point of this phone call because I thought TD was going to actively and throughly investigate the matter while working along side law enforcement. She then says that I never filed a police report thats why TD Bank denied the claim as well. I replied yes I did and I was on a three way call with the officer, detective and a customer rep from TD Bank. The TD Bank employee then says oh you did..well Im looking here and the actual reasoning for them not investigating is because I ( the customer ) have suspicion of who stole the credit card but police can not arrest someone based off suspicions, they need CONCRETE evidence which is why myself and the detective that spoke with the customer rep kept asking what was the times and addresses for these transactions and they would not provide it. The customer rep kept saying that TD Bank only can see the date but not the times, order of the transactions and merchant numbers. TD Bank is trying to stick me a card that I never received in the mail more used. Highly unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXXThese above listed accounts are not familiar to me these items should not be reported on my account

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 2025-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXXThese above listed accounts are not familiar to me these items should not be reported on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I had originally sent out that I was still enrolled in school before my 90 days were up until a former student must start making payments. XXXX XXXX failed to provide me with the correct documents and fix on their system I was in school. XXXX XXXX  I let them know and called numerous times to be seek the update.

Under the FCRA, a hard inquiry should only be made with your consent. If a company or individual checks your credit report without your knowledge or permission, this could be considered a violation of your rights.

If the check was conducted as part of a student loan restructuring, adjustment, or a similar program initiated without proper notification or consent, it may not comply with the legal requirements for credit checks.

Failure to Follow Regulations on Credit Reporting Inaccurate Reporting : If your student loan servicer or lender did not accurately report information to credit bureaus, resulting in an unjustified drop in your credit score, this could also constitute a violation. Under the FCRA, data furnished to credit reporting agencies must be accurate and complete. Any mistakes in reporting could lead to a credit score reduction without valid cause.

Unjustified Negative Impact on Credit Score Violation of Fair Treatment Laws : If a student 's loan is being checked in connection with a program or service ( such as those involving XXXX XXXX companies like XXXX or XXXX ) and results in a substantial drop in their credit score without any legitimate reason or clear connection, that might be considered unfair treatment under consumer protection laws.

If a loan check was done improperly and led to an unjust drop in the credit score, it could be viewed as a violation of laws protecting consumers from undue financial harm.

Discrimination or Unfair Practices Equal Credit Opportunity Act ( ECOA ) : If the checks or changes to student loans caused credit score drops disproportionately to certain groups ( based on race, gender, or other protected characteristics ), it could be seen as a violation of the ECOA, which prohibits discrimination in lending. Failure to Notify and Disclose Impact Violation of Transparency Laws : If a company failed to notify you of the potential impact that a check could have on your credit score, it could be considered a violation of transparency and consumer rights laws.

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 2025-03-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX  UT XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX ter Plantation Fl, XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Constant barrage of phone calls from Portfolio Recovery. 
Requested to stop calling but the calls continue to come in almost daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, i went to the dentist to get all new XXXX. i had insurance that paid part of my XXXX XXXX. On XX/XX/XXXX, Imade my first payment of {$150.00} online with XXXX XXXX.My first balance was {$3800.00} for the 2 year interest free payments that start on the date of completion of services for that stage of dental work.I made all my payments exceeding the minimum amount every month for the 2 years.On12/6/21, XXXX XXXX added another {$2800.00}. That would make my total bill owed {$6700.00} total, But the second amount not due until XXXX. I paid my bill every month never missing a payment. there website I made all of my payments through was down several times, so I couldnt make a payment that day, so they tried to charge me a late fee a couple of times. I called them and they supposedly took them off, but didnt. Another very disturbing act by XXXX XXXX wasevery month from XX/XX/XXXX, they were charging me for XXXX XXXX insurance I never signed up for .I called them several times and told them to take the unauthorized charges off of my account.They finally stopped charging me for expensive insurance I never signed up for.I paid this account off in FULL on XXXXI am sending proof of every transaction I made as per my bank account, and XXXX website amounts they now have deleted for no one to see. When Midland credit management sent me smile gens invoices from my account, It was missing several months of payments, and inaccurate amounts for months i paid in full. Their documents were showing XXXX XXXX paid, when infact i paid XXXX XXXX a month. I have now sent my proof from XXXX XXXX  of all the amounts that were taken from my bank account with all the dates included to XXXX XXXX and midland credit management. smile gen charged off the amount they said i owed and added XXXX XXXX to the amount!!!! thats FRAUD. please see attatched amounts, dates of payments, and totals on attatchments. These fraudulent actions have caused me harm in many ways with my health, and my credit report, that was very good before. Please take immediate action on this bogus case. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
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 my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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 am formally disputing the inaccurate and fraudulent accounts that have been reported on my consumer credit file. Upon reviewing my credit report around XX/XX/year>, I identified several accounts that I did not authorize or open. These fraudulent accounts are damaging my creditworthiness and must be deleted immediately in compliance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ). 
Fraudulent Accounts to Be Deleted Immediately : XXXX XXXX / XXXX / Equifax Account # : XXXX Account Type : Installment XXXX  XXXX XXXX : Account # XXXX XXXX : Account # XXXX Equifax : Account XXXX XXXX Account Type : Credit Card XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX : Account # XXXX Equifax : Account # XXXX Account XXXX : Credit Card XXXX XXXX / XXXX / Equifax Account XXXX : XXXX Account Type XXXX XXXX  XXXX XXXX XXXX  XXXX / XXXX / Equifax Account # : XXXX ( Equifax ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX / XXXX / Equifax Account # : XXXX Account Type : Collection XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX : Account # XXXX Equifax : Account # XXXX Legal Basis for Dispute & Request for Deletion : Pursuant to 15 U.S. Code 1681c-2, I am a victim of identity theft, and as such, I have the right to request the blocking and permanent removal of all fraudulent accounts from my credit file. Furthermore, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), the credit bureaus are required to investigate and remove any disputed inaccurate information from my credit report within 30 days. Failure to comply with these consumer protection laws is a direct violation of the FCRA, subject to legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally request the forgiveness of my student loans due to a severe violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that XXXX XXXX and DOGE ( XXXX-related entities ) have gained unauthorized access to my personal student loan information, including my Social Security number, financial records, and loan details, without my knowledge or consent. This breach of privacy not only constitutes a direct violation of federal law but has also exposed me to potential financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These hard inquirles are fraudulent are fraudulent and donesnt belong to me and need to be removed. also the nest as well. thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-03-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with explanation