vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had wired money from my bank to the fraudulent seller at Chase bank in XXXX XXXX. XXXX XXXX It was completed on XX/XX/XXXX a Thursday. 
On Monday I found out I was scammed and reported it to my bank XXXX XXXX. I finally heard back from my bank today, XX/XX/XXXX and they stated they couldnt do anything, Ive lost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services XXXX, regarding an alleged debt connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Ref ID XXXX, Account ending in XXXX ). On XX/XX/year>, I received a letter from them notifying me of the alleged debt, but I discovered they had already reported this account to my credit report on XX/XX/year>XXXX XXXX XXXX nearly a month before XXXX XXXX  I received any written notice. 

This violates the Fair Credit Reporting Act ( FCRA ), which requires that consumers be notified and given a chance to dispute a debt before it is reported. Reporting a disputed or unvalidated debt without proper notice is misleading and a direct violation of FCRA 1681s-2, as well as the Fair Debt Collection Practices Act ( FDCPA ). 

I formally dispute this debt and never received verification, documentation, or evidence of my responsibility for this alleged \ {$940.00} charge. I am also seeking monetary damages due to the stress, emotional harm, and damage to my credit caused by this improper reporting. 

I respectfully request the CFPB to investigate this matter and take appropriate enforcement action to protect my rights and ensure fair treatment under federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} Inquiries XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
Mohella has mishandled my loan my loan should gave been forgiven, my privacy has been violated. They have not presented correctly amounts on my account.I am a public service worker and my school closed and does not exist XXXX XXXX XXXX in ohio.. I want it removed from my credit and they have a class action suit against them and they are not trustworthy and I will obtain a lawyer for removal if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

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 2025-06-05 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: KY

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$810.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$750.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$530.00} Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$690.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$720.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$580.00} INQUIRIES : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/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 2025-06-05 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

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 2025-06-05 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
These hard inquiries appear to have been submitted as part of a credit sweep without my express knowledge, potentially in connection with an auto dealership or third-party lender. I did not provide authorization for multiple lenders to access my credit. These actions violate the FCRA, which limits access to credit reports to parties with a valid and permissible purpose ( 15 U.S.C. 1681b ).

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I made a single purchase of {$54.00} at Kohls using my credit card ending in XXXX. Since then, I have been charged excessive late fees and interest each monthdespite the small original balance. Between XXXX and XX/XX/XXXX, I was charged late fees ranging from {$29.00} to {$40.00} per month, plus interest. These charges have totaled over {$100.00}, more than double the original purchase. 

In XX/XX/XXXX, I made a payment of {$61.00} toward the balance, yet the account continued to accrue additional late fees and interest. I believe this is unfair, especially considering Ive already paid more than the original purchase amount. 

I acknowledge that a payment may have been delayed, but the repeated high fees seem disproportionate and potentially in violation of the CARD Acts requirement that late fees be reasonable and proportional. There was no clear breakdown of the minimum amount due or adequate notice of the consequences for missing it. 

I contacted the issuer to resolve this and request that the excessive fees be reversed, but I have not received any assistance. I am asking for a full refund of the late fees and for the CFPB to review whether this issuer is complying with applicable fee regulations and disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I paid a debt to XXXX XXXX on XX/XX/year>, in the agreed settlement amount of {$450.00}. I have requested written confirmation that the account is paid and settled in full. 

On XX/XX/year>, I spoke with a representative named XXXX and a supervisor. They refused to provide the requested confirmation letter unless I submitted my personal bank statements to prove the payment cleared. 

This is a completely unreasonable and inappropriate demand. I used a verifiable payment method, and it is XXXX XXXX responsibility to confirm payment on their end. Refusing to provide basic documentation that confirms the resolution of a debt may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that XXXX XXXX be investigated for their handling of this account and that I receive proper written confirmation that the debt is paid and settled as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX, Balance : {$3000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-05 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: MS

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2025-06-05 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I've called this company numerous of times stating that I was an victim of identity theft and the other accounts was removed because of it I asked numerous of times to send me an copy of verification of debt I've also sent them an written letter to stop funirshing information to my consumer report that I didn't give them permission to do the same thing that happen to XXXX happen with this account I went to sign up for a card and I called to get help and the company said I had debt I explained to them that I didn't know what was going on and the confusion because I never owned an credit card they removed the account the original company did but then it reappeared on my consumer report and its really causing me a lot of XXXX  as I try to get my life together because I was an victim of identity theft it be hard for me to recover from it and I'm still doing such today this holding me back a lot from providing and roofing my kids it even states Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). on XXXX  but yet they still have this on my consumer report they have that same saying 3xs on their site but I'm still being pentlized I'll like this removed and to be paid for the damages that it caused me and my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 recently did an investigation on my consumer report which caused XXXX XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency XXXX XXXX XXXX XXXX XXXX XXXX  make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant XXXX USC XXXXb. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer 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 explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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: TX

Complaint narrative:
I am disputing a collection account on my credit report that does not belong to me and appears to be the result of a mixed file error. The account reported is not associated with any debt I have incurred.

Company response to consumer: Closed with explanation