vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I received communications from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding an alleged debt. 

I sent a letter serving as formal notice that the validity of the alleged debt is disputed and validation is requested on XX/XX/XXXX. 

I formally requested that they provide me with documents showing I have any legal obligation to pay. 

I requested they please provide me with the following : Historical statements which match the balance being claimed. 

A list of charges that total the amount claimed in their original letter.

Identification of the original creditor.

Documentation that shows I agreed to pay this debt.

Proof they are licensed to collect in Washington State. 

The agreement giving XXXX  authority to collect this debt. 

License numbers and registered agent, copies of all requested documents. 

I communicated the following : If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. 

If you fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately to avoid violations of the FDCPA and FCRA. 

All future communications with me must be done in writing and sent to the address noted in this letter by USPS. 

According to my credit report the alleged balance started being reported XX/XX/XXXX. I disputed with all 3 major credit bureaus beginning XX/XX/XXXX. XXXX and XXXX honored my dispute. 

I received a letter from XXXX dated XX/XX/XXXX. However the envelope was stamped XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXays after the original letter from XXXX and my response. 

Their response letter did not contain all of the information requested. The letter contained only the name of the alleged original creditor and the alleged balance. I have never lived at the rental property listed. 

XXXX has failed to report my dispute of the debt to the credit reporting agencies, it was not disputed until I disputed directly with the agencies myself. This is in violation of FDCPA Section 807 ( 8 ). 

By attempting to still collect this debt without validating it, by continuing to report to credit bureaus they are attempting to collect, this is in violation of FDCPA Section 809 ( b ) Finally, for not bringing legal action in a valid jurisdiction in violation of FDCPA Section 811 ( a ) ( 2 ). XXXX is located in XXXX, XXXX  in XXXX XXXX while I am located in XXXX XXXXXXXX XXXX XXXX 

EQUIFAX refused to honor my dispute and refused to delete the false collection against me from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Regional Management Corporation
State: TX

Complaint narrative:
I need this account to be removed under 15 USC 168s section 602 States i have the right to privacy 15 USC 168 section 604a section 2 a consumer reporting agency can not furnish an account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX and XXXX XXXX Derogatorily Reporting inaccurate information on the consumer credit report associated to my legal name and social security account I request that this be investigated and that this creditor will answer my questions concerning this alleged debt It has been recently reported that .... 
" CFPB Sues XXXX for Sham investigations of Credit Report Errors XX/XX/2025 XXXX has not properly been investigating my accounts and reinserting them back onto my consumer report/profile '' The following laws have been violated concerning my report by XXXX and XXXX XXXX XXXX5 USC 1681 ( i ) ( a ) 1 challenges the 30 day response time 15 USC i ( a ) 6 ( B ) 3 Challenges investigation protocols 15 USC 1681i ( a ) ( 5 ) B Challenges reinsertion protocols COMMENITY BANK and XXXX have both been found to be operating fraudulently concerning the consumer credit report associated with my legal name Pursuant 18 U.S.C. 8 The Social Security Number attatched to your credit file belongs to the Social Security Administration NOT me Any debt assigned to the SSN assigned to my legal name without my direct consent is a legal gray area further and for the record let it be known THAT .... 
I do not consent to the charges/derogatory report being brought against me I do not consent to the use of my name in all capital letters I do not consent to the use of my social security number I do not consent to the courts or any alleged creditors authority over me I Am a living man not a corporation or entity I reserve all of my inalienable rights and will refuse to remain silent In Addition Please be Advised that The CCPA allows the California Attorney General to impose civil penalties of up to {$7500.00} per violation for intentional violations of the law and {$2500.00} per violation for unintentional violations. Businesses that are notified by the California Attorney Generals Office that they have violated the CCPA have 30 days to cure the violation. If businesses fail to cure the violation within 30 days, they can be fined. By understanding the civil penalties for violations of the CCPA, businesses can take steps to avoid being fined and to comply with the law. 
Sincerely, 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 2025-03-19 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: GA

Complaint narrative:
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 XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection opened at XXXXXXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX is talking my money from FDIC trust fund the money I won from XXXX he has been using the XXXX XXXX to get my money and I need help getting it back..I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX my social security number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX; the company " PNC BANK '' left a credit inquiry on my credit report. I don't recognized this company and don't believe that I authorized this credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Student Loan Breach and FERPA Violations Dear CFPB, I am submitting this formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and violations of the Family Educational Rights and Privacy Act ( FERPA ), XXXX XXXX. XXXX. According to an article published by The XXXX XXXX in XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent. 

I respectfully request that the CFPB investigate this matter and take the following actions : Ensure Immediate Deletion of My Student Loan Information : I demand the prompt removal of my student loan data from all relevant systems, databases, and third-party entities. 

Hold Responsible Parties Accountable : I request appropriate action against any individuals or organizations found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, or other consumer protection laws. 

Implement Preventive Measures : Please ensure that remedial action is taken to prevent future breaches of student loan data and guarantee compliance with applicable laws. 

I can be reached at ( XXXX ) XXXX or via email at XXXX for further information or documentation. I trust that the CFPB will take swift and appropriate action to address this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. 

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2100.00}, a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX  with a balance of {$340.00}, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX with a balance of {$14000.00}, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX with a balance of {$4500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-19 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:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH THE FTC IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH THE FTC IDENTITY THEFT 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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint against CitiCards ( credit card division ) and Citibank ( corporate ) regarding their unreasonable and unfair retention of my bank accounts in their reward redemption direct deposit options. Citi refuses to allow me to remove any linked bank account, despite no longer wanting them stored. 

On XX/XX/year>, I contacted Citi to request the removal of all bank accounts from my reward redemption options. I was repeatedly transferred from the XXXX XXXX to the Rewards Redemption Team ( Agent : XXXX XXXX and then to a supervisor who refused to provide her name and hung up on me when I asked for clarification. The supervisor stated that Citi can not remove any bank accounts unless I first spend money on my Citi card, earn new rewards, and redeem them via direct depositat which point Citi will " see the accounts '' and delete them. This requirement is not stated in XXXX agreements and serves no purpose other than to coerce customers into spending money. 

Citis terms and conditions do not state that Verified Accounts must remain indefinitely, and Citi provides no manual option for customers to remove them. The company is indefinitely retaining customer financial data without offering a removal option. Requiring a financial transaction, such as spending money and redeeming rewards, just to request deletion of stored banking data is unreasonable and unfair. Citi has provided no valid reason why these accounts can not be removed immediately upon request.

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 2025-03-19 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: IL

Complaint narrative:
The information on my credit report is inaccurate. I've provided my documents for you to update it.

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 2025-03-19 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
I mailed a letter XX/XX/year> so that we could be in communication. Idk where the XXXX XXXX XXXX address came from. And it needs to be removed. They responded to my letter I mailed they mailed me at a letter at the address requested to change but did NOT change and its not allowing me to update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief