vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: MN

Complaint narrative:
On XX/XX/year>, I submitted a written request for debt validation to XXXX XXXX XXXX ( XXXX ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I requested the following : The name and address of the original creditor, A breakdown of the amount allegedly owed, Documentation proving I owe the debt ( such as a contract or signed agreement ), and Evidence that XXXX has the legal right to collect on the debt. It has now been over 90 days, and I have received no response whatsoever. XXXX has not provided any documentation or acknowledgment of my dispute, and I believe they are in violation of FDCPA 1692g ( b ), which requires collectors to cease collection activity until proper validation is provided. If this debt is being reported to credit bureaus, this lack of response also raises concerns about inaccurate or unverified credit reporting, which would violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am acting in good faith and expect XXXX to respect my legal rights by providing the required validation and ceasing collection efforts until they comply.

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 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$180000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased 3 laptops in XX/XX/XXXX from XXXX XXXX. The computers came with 6 months of antivirus from XXXX. The offer said that if the service was activated, a yearly fee would be charged unless cancelled. I never activated the service, but on XXXX XX/XX/XXXX, a charge of XXXX for the service. I called XXXX, but they said contact XXXX XXXX. 
I called my credit to dispute, but took 2 hours. People hung up on me and refused to talk to me unless I answered by a name that isn't mine ( supervisor XXXX ). It took an whole felt like 1/2 hour to get XXXX to dispute the charge rather than cancel my card and send another one. 

They do not listen. They do not try to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to XXXX credit report. These remarks have been detrimental to my credit health. I have never applied for nor authorized anybody to apply for a credit card from Synchrony Bank. Any of my personal information used to establish credit at any of these banks is a direct result of identity theft.

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 2025-06-29 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: FL

Complaint narrative:
the collection account reported by XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX does not belong to me and was not authorized by me. i believe my identity has been compromised and use fraudulently to create this debt. i request that this collection be fully investigated an immediately removed from my credit report, as i have no connection to this account. 

The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed : Company / Date Of Inquiry : 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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I asked this company why they were reporting my credit on my report, because they are not the original person with whom I was doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Nelnet, Inc.
State: LA

Complaint narrative:
I am writing to formally file a complaint and dispute against the reporting of student loan accounts related to XXXX, a third-party loan servicer or data handler involved in the management and processing of my federal student loans.

It has come to my attention that XXXX  was involved in a privacy and data security breach, which has potentially compromised sensitive educational and financial records covered under both the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ).

As a result of this breach, I believe the continued reporting of the affected student loan accounts on my credit report constitutes a violation of my consumer protection rights under the following statutes : Applicable Legal Violations : 1. FERPA ( 20 U.S.C. 1232g ) Educational institutions and their contracted third parties must safeguard student records. Unauthorized access or data disclosure without consent is a violation of FERPA. 
Since XXXX  acted as an agent on behalf of an educational institution, its breach directly implicates FERPA noncompliance, invalidating its authority to retain or share my data.

2. FCRA ( 15 U.S.C. 1681 et seq. ) Under Section 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

Due to the breach, the integrity, accuracy, and legality of XXXX data is now questionable, and its continued reporting may be materially misleading and harmful to my credit profile. 
I am invoking my rights under Section 1681i to formally dispute any tradeline or entry linked to XXXX and request immediate reinvestigation and deletion of those entries. 
3. FTC Safeguards Rule / GLBA ( Gramm-Leach-Bliley Act ) Entities handling financial or educational data are required to maintain administrative, technical, and physical safeguards to protect consumer information.

XXXX  failure to do so subjects its data reporting to scrutiny and nullifies its legal standing in handling my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am disputing a debt being reported under my name by Citizens One in relation to a financed XXXX XXXX XXXX XXXX  for the amount of XXXX. 

I no longer live at the property where the equipment was installed, and I no longer have any access to it. The equipment remains physically attached to the house, which I no longer own. I am not receiving any benefit from this system, and it is unreasonable to be charged for a product I can not access or use. 

This financing agreement was signed through XXXX as part of a bundled offer that included the service and the equipment. I was not provided the option to choose or negotiate financing terms directly with Citizens One. The contract was handled entirely by the XXXX sales representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: ID

Complaint narrative:
I am filing this complaint because several negative accounts are being reported on my credit report without proper verification or proof of contract, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I have formally requested that these accounts be verified or removed, and I have not received any valid response or proof of obligation from the credit reporting agencies or furnishers.

Additionally, I have been a victim of the XXXX  data breach, and my personal information has been compromised. I believe this may have contributed to inaccurate or fraudulent entries on my report. These accounts are also being reported more than once, which is misleading and unfair.

Despite sending written disputes, these items have not been corrected or deleted. I am requesting CFPB assistance to ensure these items are either properly verified with full documentation or permanently deleted as required by 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection agency that has failed to comply with federal law concerning debt validation. 
On or about XX/XX/year>, I mailed a written request to XXXX XXXX XXXX requesting full validation of an alleged debt. My request included the following : A complete validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) A copy of the forward flow agreement between the original creditor and the debt buyer A full chain of title showing each assignment or sale of the debt Account-level documentation ( including statements, payment history, or any signed agreements ) to substantiate the amount and nature of the alleged debt To date, this company continues to report alleged updated information on my credit report and I have received no documentation or validation of the debt from this company. Despite my lawful request, the collection agency continues to attempt to collect this debt and/or report it to credit bureaus without having satisfied my request for verification. 
This failure to provide the requested information violates my rights under the FCRA and FDCPA, and I believe it constitutes unfair and deceptive collection practices. 
I respectfully request that the CFPB investigate this matter and ensure that the collection agency is held accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I recieved a notification from XXXX  that my credit score had been seriously affected. I immediately logged into my XXXX  account and literally out of no where, I see an extremely derogatory entry alleging I owe an apparent medical debt to someone with no other information provided, except for the amount, which is very suspicious??? It is not a definitve amount, it is listed as $ XXXX??? I immediately filed disputes with all 3 Bureaus, finally found name of company searched is listed as XXXX XXXX XXXX ; XXXX  with a XXXX, TN address. I have NEVER been contacted in any way by this company nor have I recieved any form of communication or attempted communication from this company nor anyone else? I had to XXXX their name to even find out who the company was, what they did/worked for??? I have always maintained a full and extremely great health insurance plan that has little to no copay or deductible? How is this possible? How was this allowed without anyone contacting me in anyway? I do however have proof, my personal information was stolen in 2 data breaches, I keep my identity and credit monitored and can submit all documents if needed? This company also ignored attempts to communicate with me? This has to be fraudulent and I desperately need help. I became XXXX XX/XX/year> and XXXX barely covers basic monthly survival only! I am not responsible for this and want it to be removed please help me? This is unacceptable! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXX XXXX XXXXXX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-29 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
XXXX  is reporting a car loan from banco popular in my credit report that is not correct I am not liable for this account I request proof for this debt I want them to send me my original loan contract whit my signature if this is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX student loan accounts are reporting XXXX  day late payment for XX/XX/year>. However, the report shows current for XXXX, XXXX and XXXX. Therefore, being XXXX  days late in XXXX is inaccurate and should be removed from my payment history for XXXX XXXX XXXX XXXX reports. I have disputed such and it was initially removed and added back in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and/or outdated information being reported on my credit report. Certain items are either not mine, have incorrect account statuses, or continue to reflect negative information even though they have been resolved or paid. These inaccuracies are negatively impacting my credit profile and do not reflect my true credit history.

I have attempted to resolve these issues through the appropriate credit reporting agencies, but the items remain unchanged or unresolved. I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the inaccurate, outdated, or unverifiable items corrected, updated, or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

I am prepared to provide any necessary documentation to support my claims and assist in this investigation.

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