vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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:
I am writing to formally dispute the accuracy of certain information contained in my credit report as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the deletion of collections and late payments associated with my credit file based on violations of federal law. Account information as follows : Company : XXXX XXXX XXXX XXXX  # : XXXX Amount : {$4600.00} Legal Basis for Dispute 1. Violations Under 15 U.S. Code 1692c Under this section, a debt collector is prohibited from communicating with a consumer in connection with the collection of any debt at an unusual time or place or in a manner that is unreasonable. If these provisions were violated during the collection process related to my account, it warrants the removal of any negative reporting.

2. Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply
with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports.

3. Violations Under 15 U.S. Code 1681e ( b ) This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. If there are inaccuracies due to improper investigations or failure to verify debts accurately, I request that you delete all related entries from my credit report. 
Evidence of Improper Investigations Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) highlight systemic issues within both Equifax and XXXX regarding their handling of credit reporting errors : CFPB Orders Equifax to Pay {$15.00} XXXX : The CFPB found that Equifax had engaged in improper investigations concerning consumer disputes over credit reporting errors, leading to significant inaccuracies in consumer files. 
CFPB Sues XXXX : Similarly, the CFPB has taken legal action against XXXX for conducting sham investigations into disputed credit report errors, which further undermines the reliability of your reporting processes. 
These findings indicate a pattern of negligence that directly impacts consumers rights under federal law. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my credit report as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the deletion of collections and late payments associated with my credit file based on violations of federal law. Account information as follows : Company : XXXX XXXX XXXX Acct # : XXXX Amount : {$4600.00} Legal Basis for Dispute 1. Violations Under 15 U.S. Code 1692c Under this section, a debt collector is prohibited from communicating with a consumer in connection with the collection of any debt at an unusual time or place or in a manner that is unreasonable. If these provisions were violated during the collection process related to my account, it warrants the removal of any negative reporting.

2. Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports.

3. Violations Under 15 U.S. Code 1681e ( b ) This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. If there are inaccuracies due to improper investigations or failure to verify debts accurately, I request that you delete all related entries from my credit report. 
Evidence of Improper Investigations Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) highlight systemic issues within both XXXX and Experian regarding their handling of credit reporting errors : CFPB Orders XXXX to Pay {$15.00} XXXX : The CFPB found that XXXX had engaged in improper investigations concerning consumer disputes over credit reporting errors, leading to significant inaccuracies in consumer files. 
CFPB Sues Experian : Similarly, the CFPB has taken legal action against Experian for conducting sham investigations into disputed credit report errors, which further undermines the reliability of your reporting processes. 
These findings indicate a pattern of negligence that directly impacts consumers rights under federal 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 2025-03-13 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
ChexSystems is sharing, holding, furnishing, and/or disseminating my consumer information without express written consent to any XXXX  party, including but not limited to : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other entity XXXX institution, or individual Under 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ), no entity may access, share, or furnish my consumer data without my express written consent. I have never granted such consent, and ChexSystems actions constitute a willful violation of my rights under federal law. 

Furthermore, ChexSystems continued sharing, holding, or reporting of my personal financial information without authorization is a direct violation of my right to privacy under 15 U.S.C. 1681 Section XXXX. You are hereby prohibited from continuing these unlawful practices.

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 2025-03-13 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

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 non-monetary relief
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Regarding : Midland credit management , inc third-party debt collector for XXXX XXXX Their amount listed as written off is incorrect, their records do not reflect the fact that the court has dismissed the matter. As a result, the reported information is misleading and inaccurate, violating the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the credit bureaus be complete and accurate.they have yet to removed or undated instead their reporting this as debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> LVNV Funding LLC Account # XXXX XXXX Subject : Formal Dispute of Alleged Debt Violations of 15 U.S. Code 1692c, 15 U.S. Code 1692f, 15 U.S. Code 1681i, 1681i ( 1 ) ( A ), and 18 U.S. Code 894 ( c ) To Whom It May Concern, This letter serves as a formal dispute of the alleged debt you have attempted to collect from me. Your continued attempts to collect this debt violate multiple federal laws, including but not limited to : 15 U.S. Code 1692c You have engaged in unlawful communication practices.

15 U.S. Code 1692f You are employing unfair and unconscionable means to collect a debt.

15 U.S. Code 1681i ( 1 ) ( A ) You have failed to properly investigate and provide adequate verification of the debt.

18 U.S. Code 894 ( c ) Your actions may constitute unlawful debt collection practices.

I have previously disputed this alleged debt, and yet it has come back as verified without any substantive evidence proving it belongs to me. Under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation and provide me with documented proof of the alleged obligation, including a full chain of ownership from the original creditor to the current claimant. To date, you have failed to do so.

I demand the following : 1. Full validation of the alleged debt, including original signed agreements, itemized statements, and documentation proving your legal right to collect.

2. Chain of ownership documentation, establishing clear legal transfer from the original creditor to the present collector.

3. Immediate cessation of collection activity until you provide sufficient evidence of the debts validity, as required under federal law.

Failure to comply will result in legal action against your company for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Be advised that any further attempts to collect this unverified debt without proper validation will be seen as a willful violation of my consumer rights, and I will pursue all available legal remedies, including seeking damages under federal law.

You have 30 days from the date of this letter to respond with the requested documentation. If you fail to do so, I will consider this matter resolved in my favor and demand the removal of any negative reporting related to this alleged debt.

This letter serves as formal notice under federal law. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: U.S. BANCORP
State: TX

Complaint narrative:
I received a letter on XX/XX/year> from XXXX XXXX, XXXX XXXX XXXX, XXXX, ND XXXX ( Ref number : XXXX ; account number ending with : XXXX ) informing me that they " have reason to believe that a credit card has been opened with your name and personal information on XX/XX/year>. We are concerned etc... .and would like to confirm the validity of the information and the original application. It is imperative that you contact us toll-free at XXXX. '' Signed : Customer Authentication Department. 
The creditor and issuer of this card is Elan Financial Services. 

I have no dealings whatsoever with Elan Financial Services. I am wondering if this is a scam or if it is a serious matter. I tried to get copies of my XXXX XXXX but since I am traveling, theior web sites would not let me obtain a copy of my credit report in order to monitor if indeed an authorized credit card has been opened in my name. 

Thank you.

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 2025-03-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I called them to remove all inaccurate report on my report they said the was and did not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I called them to remove all inaccurate report on my report they said the was and did not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

I kindly request that you investigate this matter and update my credit report accordingly. Please remove all incorrect entries regarding my name and address. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and I trust that you will address this matter promptly. 



Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of information contained in my credit report regarding an account with XXXXXXXX XXXX ( Account Number : XXXX ). I believe that the information being reported is inaccurate based on Metro 2 compliance standards.

Specifically, the account shows the following inaccuracies : 1. **Payment Status** : The report indicates that my account was " in dispute- now resolved, reported by subscriber '' as of XXXX XXXX 2025, which does not accurately reflect my payment history and status. My record shows that I was up to date on my payments.

2. **Date Last Active and Last Payment** : The dates listed for the last payment and last active status do not match my records. According to my documentation, the last payment was made on XXXX XXXX 2025, and the account is still open and active. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of information contained in my credit report regarding an account with XXXXXXXX XXXX ( Account Number : XXXX ). I believe that the information being reported is inaccurate based on Metro 2 compliance standards.

Specifically, the account shows the following inaccuracies : 1. **Payment Status** : The report indicates that my account was " in dispute- now resolved, reported by subscriber '' as of XXXX XXXX 2025, which does not accurately reflect my payment history and status. My record shows that I was up to date on my payments.

2. **Date Last Active and Last Payment** : The dates listed for the last payment and last active status do not match my records. According to my documentation, the last payment was made on XXXX XXXX 2025, and the account is still open and active. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of information contained in my credit report regarding an account with XXXXXXXX XXXX ( Account Number : XXXX ). I believe that the information being reported is inaccurate based on Metro 2 compliance standards.

Specifically, the account shows the following inaccuracies : 1. **Payment Status** : The report indicates that my account was " in dispute- now resolved, reported by subscriber '' as of XXXX XXXX 2025, which does not accurately reflect my payment history and status. My record shows that I was up to date on my payments.

2. **Date Last Active and Last Payment** : The dates listed for the last payment and last active status do not match my records. According to my documentation, the last payment was made on XXXX XXXX 2025, and the account is still open and active. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into 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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Applied for and didnt hear back about loan forgiveness. I believe I have already paid the principal and the balance is interest from a partial year at community college and then I had to stop due to XXXX XXXX. Also, recently my information has been accessed by DOGE which I had never given permission for access to my financial history and loan information to this unofficial government entity overseen by an unelected person.

Company response to consumer: Closed with explanation