vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
equifax had not fixed errors on my credit report its showing an account " XXXX  '' as open when it appears to be closed on transunion and experian. it shows a balance ad well this is reporting inaccurate information which is a violation accoridng to the Fair credit reporting act, anything reporting on a consumer report must be accurate. also my personal information including financial data has been compromised due to XXXX XXXX  I request my student loan debt be cancelled in full. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX aka known as XXXX has closed two accounts credit card account one for XXXX business card and one personal card they never sent me notice of them going to report late payments nor did XXXX, Experian and XXXX this is a violation of Section 1637 ( b ) and Section 1666 ( b ).

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 2025-03-30 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 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureau, I am writing to formally request removal of the following incorrect addresses from my credit file, as I have never resided at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only valid address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies may negatively impact my credit profile and could facilitate identity confusion or fraud. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct errors in my credit report. 

Enclosed for verification : Copy of my XXXX XXXX XXXX license ( current address ) Copy of my Social Security card ( last XXXX digits XXXX XXXX  ) Recent XXXX XXXX  ( within last XXXX days ) Copy of lease agreement Please investigate and remove these incorrect addresses immediately. I request written confirmation once completed. 

For verification : XXXX 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 non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Dear Credit Bureau, I am writing to formally request removal of the following incorrect addresses from my credit file, as I have never resided at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only valid address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies may negatively impact my credit profile and could facilitate identity confusion or fraud. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct errors in my credit report. 

Enclosed for verification : Copy of my XXXX XXXX XXXX license ( current address ) Copy of my Social Security card ( last XXXX digits XXXX XXXX  ) Recent XXXX XXXX  ( within last XXXX days ) Copy of lease agreement Please investigate and remove these incorrect addresses immediately. I request written confirmation once completed. 

For verification : XXXX 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed disputes with Experian and every time they never take the items off my account. I have account that are paid and in good standing reflecting wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to dispute my federal student loan obligations due to a breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student and personal privacy. 
Under the federal legal protections, my information should gave been safeguarded : - Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal infomation.

- Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

- Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

- Breach of Contract : The unauthorized sharing of student loan Borrowers personal and financial information with third parties, including XXXX XXXX, constitutes to protect borrowers data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPCB aka known as Chase has closed two accounts credit card account one for XXXX business card and one personal card they never sent me notice of them going to report late payments nor did XXXX, XXXX and XXXX this is a violation of Section 1637 ( b ) and Section 1666 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
Have disputed LVNV funding several times and no investigation was conducted or completed, they have supplied the same report every time I dispute this collection company, the collection company does not even have a license to collect debts in my state but have froze my bank accounts twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
There is medical debt recorded under my name for a visit to the emergency room from over a few years ago that I was not aware of. Just in the past couple of months Ive been receiving non stop phone calls and voicemails from a debt collector at TCS. It is also severely damaging my credit report right now and I am XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I got my school refund check I need to pay my rent and my car note deposited my check 11 days ago they put a 7 day hold on it was already a little irritated with that but I understand checks have holds when theyre a large amount you know.So when I go to take out some money for my rent and my car note after the 7 days they want to freeze my account and dont offer me any way to resolve the issue even though they had no actual reason to freeze it. I have 2 more days to pay my rent and 3 more days to pay my car note and insurance before I get hit with a massive late fee and my insurance gets turned off even though I have the funds. If I knew they were gon na do this XXXX I wouldnt have even cashed my check there. Now I cant cash it anywhere else either they need to give me my money period the hold is over

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 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX a fraudulent and unauthorized charge on XXXX appeared on my account. The charge was not authorized and thus fraudulent and the purchase was never received at my address, they kept siding with XXXX tracking number, but I sent proof that my apartment is not the same picture as the delivery address and that the package was never received. Would like contact by corporate and not a XXXX XXXX since the XXXX XXXX were not helpful with the dispute

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 2025-03-30 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:
Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX XXXX Account number : XXXX to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have XXXX days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
On XX/XX/XXXX of 2024, I asked XXXX XXXX AAdvantage credit card from Barkleys to close my credit card account. They refused then proceeded to charge me fees. {$99.00} annual fees and then late fees.

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 2025-03-30 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - {$71000.00} XXXX XXXX {$230.00} {$230.00} XXXX XXXX XXXX XXXX - - XXXX Original Creditor XXXX XXXX  XXXX {$240.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$1300.00} XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Interested was being calculated for the monthly charged and assessed immediately after payment was made for the same month. Representative from company placed my on hold and disconnected the call on multiple occasions. Others ignored my request to explain how interested was being assessed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
" XXXX XXXX is reporting account # XXXX as charged off on my credit report with a balance of {$1300.00}. This account was closed in XXXX 2025 and was allegedly sold to XXXX Bank without my knowledge or consent. 
I dispute the validity of this charge-off for the following reasons : XXXX  XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX XXXX 's failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX XXXX has improperly sold or transferred this account to XXXX XXXX  without my permission, which violates the terms of the original cardholder agreement, the FCBA, and my rights under the FCRA. 
Under the Doctrine of Accord and Satisfaction, if XXXX XXXX has claimed a tax benefit by writing off this debt, they can not simultaneously sell the debt or damage my credit by reporting it negatively. 
The FCBA ( 15 U.S.C. 1666i ) provides certain protections regarding credit card disputes, and XXXX XXXX has failed to honor these requirements. 
The unauthorized sale of my account may also violate the Electronic Fund Transfer Act ( Regulation E ) as it relates to unauthorized transfers of financial obligations. 

I previously disputed this account on XX/XX/scrub> 2025, and XXXX XXXX failed to conduct a reasonable investigation as required by the FCRA. '' IRS Requirements and 1099-C : The IRS requires financial institutions to issue Form 1099-C when they discharge debts of {$600.00} or more. If they wrote off the debt for tax purposes but didn't issue you a 1099-C, they're violating tax regulations. 
Doctrine of Accord and Satisfaction : If a creditor has written off a debt and received a tax benefit, they can not then continue to pursue collection or damage your credit. This is a fundamental legal principle. 
Unauthorized Account Transfers : Under the FCBA and TILA, creditors must generally obtain consent before transferring accounts or provide specific notices. Failure to do so can invalidate their ability to report negatively. 
Regulation Z of TILA : For any accounts where they allowed charges over the credit limit and then charged off the account, this is a potential violation of Regulation Z as they extended credit beyond agreed terms. 
Double Reporting : When both the original creditor and a collection agency report the same debt, this creates a double penalty and violates the FCRA 's requirement for maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 recently 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB Complaint Statement Creditor/Furnisher : XXXX XXXX XXXX Account Number : XXXX ( partial for privacy ) Issue : Improper Charge-Off Reporting, Inaccurate Payment History, Metro 2 & FCRA Violations I am filing this formal complaint against Sensible Auto Lending for reporting inaccurate, incomplete, and non-compliant information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards XXXX 

Violations & Inaccuracies : XXXX. Improper Charge-Off and Past Due Reporting : Sensible Auto Lending reported this account as charged off with a past due balance of {$21000.00}. According to Metro 2 guidelines, once an account is written off as a charge-off, it should no longer accrue or carry a past due status unless the account is still being serviced and billed. There is no proof of ongoing billing or servicing, which makes this reporting misleading and potentially unlawful under 15 U.S.C. 1681e ( b ).

2. Re-Aging of Debt : The payment history profile shows a CO ( charge-off ) status in XX/XX/XXXX, despite the last payment date being XX/XX/XXXX, and the charge-off status being reported in XX/XX/XXXX. A charge-off is a one-time event, not a recurring status. Continuously updating it as CO beyond the charge-off date is considered re-aging the account, a direct violation of Metro 2 compliance and deceptive to future creditors.

3. Missing & Incomplete Fields : Several fields, including original balance, payment frequency, and monthly payment, are missing. These omissions prevent proper validation of the accounts legitimacy and violate the requirement for maximum possible accuracy as defined under 15 U.S.C. 1681s-2.

4. Failure to Comply with 15 U.S.C. 1681s-2 ( b ) : If a consumer disputes information directly with the CRA and furnisher, the furnisher is required to conduct a reasonable investigation and verify all data fields. No such documentation has been provided to me upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/year>, XXXX OF XXXX XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year> & XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief