vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This company capital one auto finance have violated federal laws constantly the account in dispute is capital one auto finance partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company capital one auto finance have violated federal laws constantly account capital one auto finance partial account # XXXX! Federal law U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
My information was used to complete unauthorized activity with Affirm. 

I have never had an account with Affirm. Nor have I ever made a purchase from XXXX. 

XXXX  ( Loan ID : XXXX ) Order ID : XXXX XXXX  ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX  ( Loan ID : XXXX ) Order ID : XXXX I filed a police report to notify of fraud. 

Affirm has provided negative credit to the Credit agencies. I need this reversed and the acount/my name cleared as this was fraud and something I have never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony home I received your letter stating you closed my account due to information from XXXX reporting to you that is a lie .I contacted XXXX and my account was and is frozen copies of chat enclosed, copy of your letter enclosed stating information from XXXX XXXX have caused damage to my credit and personal hardship with this. and lying about where you got the information on a frozen account. CFPB please refer this to the proper bureau .I feel that I need to be compensated for this out right lie and damages enclosed are synchrony banks letter and my chat with XXXX on this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CT

Complaint narrative:
I am writing to urgently address a serious matter regarding an unauthorized and fraudulent use of my identity. Upon reviewing my credit report, I discovered an account that was opened without my consent, and I have reason to believe that this account was created through fraudulent activity. 

This account does not belong to me, and I have not authorized any transactions, applications, or actions related to it. The unauthorized use of my personal information constitutes identity theft, and I am taking all necessary steps to protect my financial integrity.

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 2025-02-15 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: CT

Complaint narrative:
I am writing to urgently address a serious matter regarding an unauthorized and fraudulent use of my identity. Upon reviewing my credit report, I discovered an account that was opened without my consent, and I have reason to believe that this account was created through fraudulent activity. 

This account does not belong to me, and I have not authorized any transactions, applications, or actions related to it. The unauthorized use of my personal information constitutes identity theft, and I am taking all necessary steps to protect my financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
From XXXX to XXXX, I have sent a request for public service loan forgiveness. I have went through my 120 days payment with the US Department of education when I sent another PSLF they just sent the amount to Nelnet which they higher the amount and is affecting my credit report. I asked for this to be closed out over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: KS

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-15 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: NC

Complaint narrative:
My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX. XXXX XXXX  # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXX. XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the collection account referenced above, which appears on my credit report and pertains to an alleged rental debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting verification of this debt, including a detailed breakdown of the charges and proof that I am legally responsible for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft due to a data breach. Unauthorized accounts were opened in my name, and I am requesting their removal under 15 USC 1681c-2 ( a ). These accounts are negatively affecting my credit, and I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
Look at my credit report and seen information on it that is not correct and or accurate needed trans union to fix an correct issue

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds impossible and that tracking these transactions was infeasible the CFPB finding indicated that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: PA

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., Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 explanation
Consumer complaint received 2025-02-15 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: PA

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., Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment on My Credit Report Under 15 U.S.C. 1681c ( a ) To Whom It May Concern, I am writing to formally dispute a late payment that appears on my credit report with TransUnion. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), outdated and incorrect negative information should not be reported on my credit history. 

I hereby formally request that XXXX verify and remove the inaccurate late payment entry from my credit history if it does not comply with the legal reporting timeframe. 

Additionally, I believe that the reporting of this late payment violates multiple consumer protection laws, including : - **15 U.S. Code 6801** : Protection of personal information.

- **15 U.S. Code 6802** : Obligations regarding the disclosure of personal information.

- **15 U.S. Code 6803** : Disclosure of privacy policies.

- **15 U.S. Code 1681e ( b ) ** : Accuracy of credit reports.

- **15 U.S. Code 1681a ( d ) ( 2 ) ** : Exclusion of certain transactions from credit reports.

- **18 U.S. Code 1028A** : Aggravated identity theft.

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this late payment from my report or supplying the required documentation validating its accuracy. 

I am attaching a copy of my identification and my credit report with the disputed late payment highlighted for your reference. 

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, 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 2025-02-15 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: NC

Complaint narrative:
My SSN has been used as a personal gain. 
I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX. XXXX  : # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXX. XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$250.00}

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 2025-02-15 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX subject : Formal dispute regarding inaccurate information on my credit report. 

Dear Equifax legal, I am writing this to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. Recently the consumer financial protection bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : conducting inadequate investigations that fail to address consumer disputes properly reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported. 

1.

under the FCRA, you are required to conduct a proper investigation into my dispute. inform me of the results of your investigation in a clear and comprehensible manner. provide me with any documentation you rely on if the disputed information is verified as accurate. ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. if the investigation concludes that the information can not be verified or remains inaccurate. then i request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the action you take in response to this dispute. if you fail to resolve this matter i reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 day timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 any 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 seven 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 of 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 2025-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased a {$200.00} XXXX  gift card from a XXXX in Pennsylvania as a gift on XX/XX/XXXX. I gave the gift to a relative on XX/XX/XXXX. He went to use the card to make a purchase on XX/XX/XXXX and the purchase was declined as the remaining balance was {$0.00}. There were XXXX charges made in New York ( XX/XX/XXXX ) and XXXX  New Jersey ( Both on XX/XX/XXXX ) for the whole balance amount. An unauthorized person used the card right after it was activated at the store. The person I gave the gift to submitted a dispute to INCOMM Payments on XX/XX/XXXX. After providing all of the requested information, the dispute was denied by INCOMM with no explanation on XX/XX/XXXX. This is unacceptable. I have essentially had {$200.00} stolen from me because this product is so easy to commit fraud with. Through simple internet searches, it appears this is a wide spread scam that is committed using these XXXX gift cards product. This needs to be handled by INCOMM immediately.

Company response to consumer: Closed with explanation