vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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:
This is XXXX XXXX writing on my behalf, this is not a robot, this is not a third-party company. Please do not send me anything stating that you do not know if this is me actually writing. On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 45 days since and I have not received a response. I am feeling taken advantage of and my disputes are being ignored. Section 611 ( a ) of the FCRA clearly states that failure to investigate these items within 30 days gives reason to immediately remove the items from my credit report. It has been 45 days so these account should be deleted promptly. I demand that these account be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Furthermore, my information such as name, address, social security number and telephone number was shared with 3rd parties without my consent. My information may have been compromised as a result of the creditor sharing without consent. The creditors have failed to provide adequate information regarding previous complaints and may have mishandled my disputes as they did not inform me of any processes or procedures that were utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Furthermore, my information such as name, address, social security number and telephone number was shared with 3rd parties without my consent. My information may have been compromised as a result of the creditor sharing without consent. The creditors have failed to provide adequate information regarding previous complaints and may have mishandled my disputes as they did not inform me of any processes or procedures that were utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-22 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:
Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts. 
For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account Info Account Name RESURGENT/LVNV FUNDING Address po box XXXX, XXXX SC XXXX Phone Number ( XXXX ) XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1100.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
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 a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

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 2025-03-23 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:
Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts. 
For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts. 
For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
First premier company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, citing 15 U.S.C. 1681 ( 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
First premier company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, citing 15 U.S.C. 1681 ( 4

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dispute of Collection Account Account XXXX XXXXXXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 

As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXXProof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXXA detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that XXXX. XXXX, XXXX is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately. 

Please provide a written response to this letter and send all requested documentation to the mailing address listed above. 

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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have not received any information from Navy Federal i was told a XXXX mailer would be sent in XX/XX/year> nothing still has been received. I have attempted to talk to someone no one can help or get me to the appropriate office. I received a text and email stating i didn't turn on the title and I have not spoke with anyone about the current rate being charged or even where or how to send in the title. I had one contact from Navy Federal XX/XX/year>. I have filled previous complaints and Navy Federal did not contact me or send any information regarding my interest rate or sending in the title. I believe they are attempting to make it as difficult as possible so they can charge a higher rate. When I transferred the loan I was supposed to be at 9 % it has fluctuatedso much going from XXXX to XXXX to XXXX to 11 % last I checked. I believe this is predatory lending and the lack of anyone available to discuss this matter has me very anxious and stressed about being taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
I noticed these inquiries were posted to my account and they were unauthorized inquiries XXXX. XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date:XXXX XXXX XXXX XXXX XXXX XXXX [ inquiry date : XXXX ] XXXX. XXXX XXXX lead bank [ open date:XXXX ] XXXX. XXXX XXXXXXXX XXXX XXXX [ open date XXXX ] XXXX. XXXX XXXX [ open date : XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I did in fact apply for XXXX credit cards. While waiting for them in the mail which I never received, they were activated XXXX used for purchases that I did not purchase nor did I activate them. Come to find out my mailbox was broken into XXXX theft was filed. When I contacted the credit card companies I did get a telephone number of the person that activated them. I got sent over to fraud and they said they were sending me new cards in the mail. They never took care of the charges that were made by these people who stole them. I then contacted them again, they then said it was my telephone number who activated them. Which was not even possible. I still have the name of the customer representative XXXX the number he gave me who actually activated them. They still denied it. Now it's on my credit XXXX now closed because I refuse to pay for something that's not mine XXXX was stolen out of my mailbox. I asked them for proof that my number activated them and they couldn't prove it to me. Go figure. But yet I have the number that activated them .the only XXXX I activated was the one they sent me after I called XXXX told them it was fraud XXXX I never received the first ones they sent me. I have my phone records showing I did not activate them. Sent those to them as well. That should've been proof enough. They still denied it. Now my credit is bad cause of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, XXXX XXXX XXXXSubject : XXXX  Formal Complaint Regarding Falsely Assigned Debt by Ally Bank Dear Sir/Madam, I am writing to formally dispute and request an investigation regarding a debt falsely attributed to me by Ally Bank, which has now been transferred to XXXX  XXXX. This matter has caused significant distress and inconvenience, and I am seeking the CFPBs assistance in resolving this two years ago, I received communication from XXXX XXXX XXXX regarding a debt allegedly in my name. I immediately informed XXXX XXXX that the debt in question does not belong to me and provided all necessary details to substantiate my claim. XXXX XXXX acknowledged my concerns and advised me to reach out to Ally Bank directly, as I was not the only customer reporting similar issues. 

Despite my efforts, Ally Bank has failed to address the matter adequately. Instead, the debt has been transferred to XXXX XXXX, which has perpetuated the problem. To the best of my knowledge, I have never applied for or utilized funds associated with this alleged debt. 

This situation has not only compromised my financial well-being but has also caused undue stress as I strive to protect my credit reputation. I kindly request the CFPB to : XXXX. Conduct a thorough investigation into this matter. 
XXXX. Hold Ally Bank accountable for any errors or negligence in assigning this debt. 
XXXX. Ensure that XXXX XXXX  ceases all collection efforts related to this debt. 
XXXX. Clear this debt from my name and credit report. 


I appreciate the CFPB 's commitment to protecting consumers and ensuring fair practices within the financial industry. Please do not hesitate to contact me should you require any additional information or documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft. As a result my checking account at XXXX XXXX  which had several autopay accounts including Citi Visa had to be closed and a new one opened. When I received a notice that my autopay payment had been reversed I immediately called to address that and make payment. There was a XXXX  day lag between payment due and payment paid. As a result I was charged {$30.00} returned check fee and {$9.00} in interest. I asked that these charges be reversed as this is the first time I have EVER missed a payment due date in my XXXX tenure since XXXX or Citi Visa since they took over XXXX XXXX management in XXXX. My request was honored. 
So I was surprised when I received my XXXX statement today and it includes another interest charge. I was told this was for that XXXX day lag. Well, if the service rep who took my payment had checked for any outstanding interest charges she could have included that. When I asked that these charges be reversed since it was due to fraud and not me, I was simply told I had used up my interest credits. NOT AN ACCEPTABLE ANSWER! 
XXXX Citibank needs to empower their service reps to think and take care of their customer. As a result I am now looking for a new card and XXXX is happy to step in! 

The branch manager was very happy to write a letter to XXXX Citi XXXX confirming the fraud situation and asked for a reversal of ALL charges.

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