vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to Equifax via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Equifax responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Equifax requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Equifax responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Equifax is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Equifax credit report 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX Based on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to Aidvantage and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CO

Complaint narrative:
I paid for my fees on XX/XX/XXXX to make it by XX/XX/2023, when I assumed all my fees were all paid up. I was hit with additional fees which made it impossible to pay. I'm on a fixed income and I was just diagnosed with XXXX. 

I would like to get the current fees waived since they do not provide an alternative option to pay the fees via online card payment. I also would like to request to close my credit card account with First Progress. I requested to close my account when i spoke to a representative and they told me no i can't close my account regardless if my balance being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to PNC Bank in the beginning of the Pandemic to let them know that my consulting contract was terminated for events scheduled for over a year due to the Pandemic Lockdowns. All Convention Centers Cancelled Events. 

I have Lates Reporting Throughout XXXX, XXXX, XXXX, XXXX Also. The Company Denied me assistance during the pandemic numerous times, but they seem to have reported to the CFPB in prior Complaint that they aided me with numerous forbearances and even supplied me assistance from XXXX. Which none of this was ever given to me during my Financial Crisis in the Pandemic. I had XXXX on XXXX occassions due to my children and mandatory quarantines. I was denied assistance during those time periods as well. 

Cares act gave the Creditor the Opportunity to Modify the Loan and Provide Assistance. The Creditor didnt do that. The Creditor also failed to Remedy Fraud which was found in my loan documents ( Payment was inflated almost {$200.00} after the automobile was delivered to my home ). I have submitted all documents in credit disputes with XXXX. XXXX and XXXX providing documents and Police and FTC reports confirming XXXX and XXXX. 

In addition to that was the Late Payments Reported During the Pandemic when I notified them Early XX/XX/XXXX and Continued to call and update my status being affected by the pandemic and they CONTINUED to not provide Assistance and Mark the Lates on my credit when I had no income and was on lockdown during the pandemic and my consulting events were cancelled well over a year which the creditor was made aware of numerous times. 

PNC Bank did not follow the laws Provided by the Pandemics Cares Act During the Covid-19 Pandemic. Calls can be subpoenaed where I repeatedly reported they were not compliant with the cares act during the Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to Experian via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Experian responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Experian requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Experian responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Experian is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Experian credit report 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

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 2023-08-27 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:
XXXX XXXX  {$650.00} XXXX XXXX XXXX  {$370.00} XXXX XXXX  XXXX  {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet XXXX, XXXX and equifax are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to the Creditor During the Covid Pandemic to let them know I'd lost my work and source of income during the Pandemic. I was denied the removal of these lates during a time when the Creditor knew I was unemployed. As per the Cares Act, Lates which resulted from the Covid 19 Pandemic were actually forgiven during that period. 

The Creditor Did not honor this and continued to mark my account as derogatory which they later FROZE and made unusable once I paid it off. I wasnt warned about the freeze when I made the arrangements to pay, even when I made arrangements to repay the account I was marked as Late and derogatory. 

Which shows the creditor was not Compliant with the Cares Act resulting from the Covid-19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: MI

Complaint narrative:
XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet Transunion, XXXX and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!

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 2023-08-27 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: MI

Complaint narrative:
XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet XXXX, experian and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!

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 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have contacted Jefferson Capital on several occasions. It started about a year ago. I was promised on numerous occasions that the debt would be taken off my credit report. They have sent me many letters to promise the debt would be taken off my credit report. They have not taken this debt off my credit report. I have requested a debt validation letter 90 days ago. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX JPMCB Card ( " JPMCB '' ) is still communicating false and inaccurate information to XXXX with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and JPMCB failed to provide me with it. I am aware that I am in fact the original creditor. 

I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. 

I mailed out my written requests on XX/XX/XXXX and JPMCB received my communication on XX/XX/XXXX, XXXX pm as evidenced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-08-27 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

They are billing me for insurance from a company I requested a quote from, quote wasnt competitive and I stayed with my existing Insurance Company. Not sure how this company has come to collection on my credit. I wasnt notified by mail prior to the item entering my credit report. 

Company Fails to Remedy the Account and Continues Collection Efforts when the Account is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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:
XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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:
XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.

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