vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I hope youre well. Im writing because Ive come across an issue on my credit report that needs urgent attention. Theres an account listed that I dont recognize and have no knowledge of. Ive never opened or authorized this account, and it doesnt belong to me in any way.

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 2025-03-01 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: DE

Complaint narrative:
DE Child Support Enforcement is reporting inaccurate, as well as illegal accounts to my credit profile. I sent a letter to them on XX/XX/year> requesting validation of this debt and have not received a response yet. It is well past 30 days and according to the FCRA they are to promptly delete all listed unverified accounts. I have also submitted an FTC report, and they have 4 days from today XX/XX/year> to delete all fraudulent accounts as I never consented to nor agreed to pay this alleged debt. I have attached all letters and FTC reports below.

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 2025-03-01 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 XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year> I reached out to capital one via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
XXXX amount paid {$250.00} XXXX amount paid {$250.00} XXXX amount paid {$0.00} because I realized it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian allows XXXXXX/XX/XXXX to report inconsistent information to XXXX, XXXX and Experian. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!

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 2025-03-01 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: SC

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NE

Complaint narrative:
Subject : Formal Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, your organization may be held civilly liable for negligent noncompliance with the law, which has caused harm to my financial standing. 

Upon reviewing my credit report, I identified the following inaccurate and/or unverifiable information : XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$630.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
XXXX CHILD SUPPORT Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # FAGI and a balance of {$4800.00}. 
The original creditor is XXXXXXXX XXXX XXXX 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 
This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$7400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete I have attached supporting documentation to verify my claim. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information that can not be verified. Failure to do so within the legally mandated timeframe ( 30 days ) constitutes negligence and may result in legal action. 

To resolve this matter, I demand the following actions be taken immediately : 1. Conduct a proper investigation of the disputed information.

2. Delete or correct any information that can not be substantiated.

3. Provide me with a written confirmation of the resolution. 

Failure to comply with these obligations under the FCRA will leave me no choice but to pursue legal action for civil damages, including any actual damages sustained due to your negligence. 

Please respond in writing within 30 days of receiving this letter. I expect full compliance with federal law and appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : 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 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 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 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 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 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 2025-03-01 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:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I moved into my new house XX/XX/year>. Since then I have received monthly credit card offers from XXXX  XXXX XXXX XXXX. It has been non-stop. Calling them has done nothing. Writing " MOVED '' and returning them does nothing. They have ignored my requests. I just want the credit cards applications to stop. It's so bizarre that any company would act like this. The previous residents were addressed as such : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was calling to follow up the abnormal hold on my account due to the delay of 4506-c. However, the customer service person called XXXX was yelling at me via the phone and said if I talked to another representative Ill get the same answer. When I called them again, they directly hung up my phone which made me felt disrespected as a customer. Also, since I signed the consent of 4506-c via Discover, I do have the right to know information about the process from them. But they refuse to assist with me with an unfriendly gesture which made me felt disappointed. While my card is still held, I got credit record reported from them to XXXX, so I do think they have the responsibility to take care of whats going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : The items are listed as follows : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : The items are listed as follows : 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 non-monetary relief
Consumer complaint received 2025-03-01 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 am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
XX/XX/year> there was a data breach on my student loans through navient. I am requesting forgiveness of these loans as a result of said breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: HW Holding, 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 XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, I am formally disputing inaccurate information on my credit report, which is negatively impacting my financial well-being. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into these inaccuracies and prompt correction as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing 'sham investigations ' and other unlawful practices. According to the CFPB, these violations include : - Conducting inadequate investigations that fail to properly address consumer disputes. 
- Re-inserting previously disputed and inaccurate information without justification or notification. 
- Failing to effectively notify consumers about the results of investigations. 
These systemic failures undermine consumer protections and contribute to the continued reporting of inaccurate information. I am concerned that my dispute may be mishandled in a similar manner. 
Disputed Information Pursuant to 15 U.S.C. 1681b, I request a full investigation and correction of the following inaccurate information on my credit report : 1. Hunter Warfield , Inc. - Account # XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX - Dispute Reason : This collection account is inaccurate because [ provide reason : e.g., incorrect balance, already paid, not mine, etc. ]. 
- Supporting Documents : [ Attach any relevant documents, such as payment records or correspondence with the creditor ]. 
Requested Action Per 15 U.S.C. 1681i, the FCRA requires that this investigation be completed within 30 days. If the disputed information is inaccurate or unverifiable, I request its immediate removal from my credit report. 
Please provide written confirmation upon receipt of this dispute and notify me of the steps taken to resolve this matter. If further information is needed, you may contact me at the phone number or email provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$25000.00}

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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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