vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX/XXXX/25 at approximately XXXX hours my truck was broken into. My wallet was taken along with multiple credit and debit cards and IDs. I filled a fraud claim with navy federal which they denied basically saying I was lying. The claim was for {$140.00} which was used at a smoke shop Ive never in my life been to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems LLC, a collection agency, reports on my credit report that I opened an account for {$770.00} on XX/XX/XXXX. The type of account is not listed and shows Jefferson Capital Systems as the original creditor. I never had a contractual agreement with this agency. Also, I have an open balance. Below is the information reflected on my report ; JEFFERSON CAPITAL SYSTEMS LLC Last reported XX/XX/XXXX {$770.00} Open balance JEFFERSON CAPITAL SYSTEMS LLC Original creditor XXXX Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by the consumer Account information disputed by the consumer Original creditor name JEFFERSON CAPITAL SYSTEMS LLC I have never had any dealings with this company. It is my understanding that Jefferson Capital Systems LLC is misrepresenting itself and reporting this on my credit report while attempting to collect on a debt that was transferred from a creditor who has charged off the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-01 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I was a member at XXXX XXXX in XXXX, NJ, and paused my membership when I went away to XXXX in the XXXX. Over XXXX break, I XXXX XXXX XXXX and was unable to use the gym. Without my knowledge or consent, XXXX XXXX unpaused and restarted my membership, then charged me for months I never used the facility or agreed to resume service. 

They added late fees and other charges, then sold the debt to First Credit Services all without sending me any written notice. I was only ever contacted by phone and was never given a chance to dispute or resolve the charges. 

Shortly after, First Credit Services reported this debt to the credit bureaus, negatively impacting my credit score, again without sending me a written validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting this collection be removed from my credit report, and that the debt be voided due to lack of consent, proper notice, and billing during a medically documented injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-01 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: TX

Complaint narrative:
I reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report ; they are hurting my ability to obtain credit.

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 2025-04-01 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an alleged debt on my credit report and to request verification that this bill is legitimately mine. I recently obtained a copy of my credit report from XXXX XXXX and found this debt listed under my name. However, I have no recollection of incurring this debt and require documented proof that I am legally responsible for it. 
The specific account ( s ) in question are as follows : Creditor Name : CREDIT CORP SOLUTION Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Issue : no my account, fraudulent account after data breach Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I formally request that the CFPB ensure the credit bureau and creditor provide the following documentation to validate this debt : 1. Signed Agreement or Contract A copy of the original contract or agreement that includes my signature.

2. Billing Statements Monthly or periodic statements showing the charges and payments made.

3. Account Opening Documents Any records showing that I opened the account.

4. Payment History A detailed record of transactions, including charges, payments, and balances.

5. Debt Assignment Documentation If the debt has been sold or transferred, proof of the transfer and the chain of ownership.

6. Itemized Breakdown of the Debt A clear explanation of the charges that make up the total balance.

7. Proof of Communication Any correspondence between me and the creditor regarding this debt.

If the creditor is unable to provide sufficient evidence that this debt is valid and belongs to me, I request its immediate removal from my credit report.

I have attached copies of relevant documents, including my credit report, statements, and any supporting evidence that demonstrate my dispute. I appreciate your prompt attention to this matter and request a response regarding the status of this verification request Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: KS

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Company had not made contact with me prior to making negative credit report. First contact was formal summons for suit. LVNV had purchased a bank statement from another debt collection company who had bought an account from XXXX XXXX. The account was included in a XXXX XXXX XXXX All debt with XXXX XXXX was settled and under agreement prior to LVNV buying the statement.

This was a big n violation of chapter 10 of 12 CFR?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.

XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccuracy ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I disputed all these in one day and they came back saying updated in less than an hour of me summiting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-01 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-04-01 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: CT

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  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 Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Immediate Action Required Legal Violations Due to Data Breach To Whom It May Concern, I am writing to formally demand an immediate response regarding the data breach that has compromised my personal information due to your organizations negligence in securing sensitive data. Your failure to implement adequate security measures has resulted in a clear violation of multiple U.S. federal statutes governing data protection, privacy, and cybersecurity. 

This breach has not only exposed sensitive information but has also placed me at significant risk of financial fraud, identity theft, and other damages. Your actionsor lack thereofconstitute a blatant disregard for legal and ethical responsibilities as outlined under federal law, including but not limited to : The Federal Trade Commission Act ( 15 U.S.C. 45 ) Unfair or deceptive trade practices, including failure to adequately protect consumer data.

The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Failure to properly safeguard consumer financial information.

The Health Insurance Portability and Accountability Act ( HIPAA, 42 U.S.C. 1320d-5 ) If the breach involves protected health information.

The Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) Unauthorized access to computer systems leading to data compromise. 

The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use or disclosure of personal identifying information.

The Data Breach Notification Laws ( Various U.S. State Laws and 15 U.S.C. 6801 et seq. ) Failure to notify affected individuals in a timely and proper manner.

Given the gravity of this situation, I demand that you provide me with : A full and detailed disclosure of the nature of the breach, including when and how it occurred. 

A list of all personal data compromised and any third parties that may have gained unauthorized access. 

The immediate implementation of enhanced security protocols to prevent future breaches. 

Compensation for any financial or reputational damages incurred due to your failure to protect my personal information. 

A written commitment ensuring compliance with all applicable data protection laws. 

If I do not receive a satisfactory response within [ reasonable time frame, e.g., 10 business days ], I will pursue all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), state attorneys general, and seeking legal action under the aforementioned U.S. codes.

I strongly urge you to take this matter seriously and rectify the situation immediately. Failure to comply will result in swift and aggressive legal action to the fullest extent of the law.

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 2025-04-01 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:
I am writing you about the misuse of my social security number. I am a victim of Identity Theft due to the XXXX Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, Does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : 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 2025-04-01 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:
Greetings, someone tried to aquire credits on my behalf without my consent which is resulting in a bunch of inquires that I do not recgonize. I see a bunch of companies which I assume they are auto loan which I was not lookng for at that time. Theses are the names I see. XX/XX/XXXXXXXX XXXX XXXX I did not asked for any credit or loan with those companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation