vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: OR

Complaint narrative:
On XX/XX/year>2025 I visited the Tesla website. I was immediately told I could lease a Model 3 with 0 % APR ( see attachment ) When I asked the XX/XX/XXXX on the same site if that was true it said no ( see second attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-03-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX Guardian article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 4. Future Compliance Assurance A formal, written confirmation
that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at ( XXXX ) XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
inaccurate information on my credit report regarding my XXXX XXXX account. As of XX/XX/year>, my XXXX XXXX account was paid in full and carries a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
inaccurate information on my credit report regarding my XXXX XXXX account. As of XX/XX/year>, my XXXX XXXX account was paid in full and carries a XXXX balance.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OK

Complaint narrative:
My credit card account was hacked on XXXX XXXX XXXX Someone logged in, added their bank account by making a {$10.00} payment, and then had my approximately {$130.00} of Cashback rewards deposited into their account. I reported the fraud on XX/XX/XXXX, and I was told that my account was going to be closed, that I would be reissued a new card, and that both the payment would be removed and the Cashback rewards would be replenished to my account. I received the new card in the mail, registered my new account, and noticed that they had charged the {$10.00} payment back to my account but had not credited the roughly {$130.00} of Cashback back to my account. I called and spoke to a representative on XX/XX/XXXX or XXXX, who explained to me that the Cashback takes longer to post to the account because they investigate the fraud claim on those differently, and that it would be restored to my account in about one week. I told the representative that my payment is due in the middle of the month, and that I was planning on applying that cashback reward to my payment. He said that it should be back on my account in plenty of time to apply it before my payment due date. I called again on XX/XX/XXXX, and spoke to a different representative, XXXX, about the Cashback not being restored to my account and he told me that it takes up to two billing cycles and that I would not be restored in time to make my payment that is due. I asked for the policy and process to explain why this is the case, and let him know about my previous conversation with a representative that is contradictory. He stated that it just the way the process works and there is nothing he can do about it. I told him that some kind of training or calibration needs to happen so that people are getting accurate and consistent information when they call. He looked up the previous call and stated that the notes from my earlier call said that the Cashback bonus would take up to two billing cycles to appear as XXXX was stating on the XXXX, which was absolutely NOT what was verbally conveyed to me during the XX/XX/XXXX or XXXX call. They refused to shared information about the process/policy and I still have not been restored from the fraudulent cashout of my Cashback funds that I immediately reported two weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Upon reviewing my reports from Experian and EquifaxI noticed that the account XXXX XXXX Account Number EMLWVDXXXXXX is being reported differently across the two bureaus. This discrepancy is damaging to my credit and must be deleted.

Shows two different last payment dates and multiple different late payments dates.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain maximum possible accuracy of the data they report. These discrepancies violate that requirement and must be deleted.

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 2025-03-13 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: OH

Complaint narrative:
Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CFBP, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia Formal Dispute Regarding Inaccurate information on my credit report : Dear Experian, I am writing to formally dispute inaccurate information on my credit reports that is impacting my financial well-being in a negative way. I am aware of my rights under the ( Fair Credit Reporting Act ). I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian 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 an explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am concerned that my disputes have been handled in a similar manner. ( Please see inaccurate reporting below ) XXXX. XXXX XXXX XXXX I never had any business nor contracts with this entity. I with through legal representation such as XXXX XXXX and had it removed and Experian place it back with no explanation. I am currently suing this entity and have trail date scheduled for XX/XX/year> XXXX. XXXX XXXX XXXX is an unrecognized entity that I believe I never had any business with nor legal contracts that permitted my use of personal information to them. 

XXXX. XXXX XXXX XXXX obtained my information illegally and I never had any business or contracts with this entity. 

XXXX. A list of closed accounts that should be removed of my credit that are XXXX old and late payments should be removed as they are outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia Formal Dispute Regarding Inaccurate information on my credit report : Dear Experian, I am writing to formally dispute inaccurate information on my credit reports that is impacting my financial well-being in a negative way. I am aware of my rights under the ( Fair Credit Reporting Act ). I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian 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 an explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am concerned that my disputes have been handled in a similar manner. ( Please see inaccurate reporting below ) XXXX. XXXX XXXX XXXX I never had any business nor contracts with this entity. I with through legal representation such as XXXX XXXX and had it removed and Experian place it back with no explanation. I am currently suing this entity and have trail date scheduled for XX/XX/year> XXXX. XXXX XXXX XXXX is an unrecognized entity that I believe I never had any business with nor legal contracts that permitted my use of personal information to them. 

XXXX. XXXX XXXX XXXX obtained my information illegally and I never had any business or contracts with this entity. 

XXXX. A list of closed accounts that should be removed of my credit that are XXXX old and late payments should be removed as they are outdated 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Upon reviewing my reports from Experian and TransUnion, I noticed that the account XXXX XXXX  Account Number XXXX is being reported differently across the two bureaus. This discrepancy is damaging to my credit a

nd must be deleted immediately. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain maximum possible accuracy of the data they report. These discrepancies violate that requirement and must be deleted 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 2025-03-13 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief