vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
My XXXX  XXXX account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to portfolio recovery associates, a debt collection company. 

On XX/XX/XXXX, portfolio recovery associates said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the XXXX  XXXX account that was sold to Portfolio Recovery Associates, AND showed the Portfolio recovery associates account as paid off. If XXXX XXXX sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both XXXX XXXX and Portfolio Recovery Associates were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the XXXX  XXXX account ending in XXXX and the Portfolio Recovery Associates ( PRA ) account from my credit report among all three bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through PRA, the company XXXX XXXX sold my debt to. I called Portfolio Recovery Associates today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and Portfolio Recovery Associates is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. XXXX  XXXX is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by Portfolio Recovery Associates. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my Credit Report. Despite my submissions, XXXX consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation of disputes. This practice violates the Fair Credit reportin Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The below accounts and hard inquiries are inaccurate in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: RI

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 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 2025-02-11 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally requesting a correction to my credit report regarding my student loan with the XXXX  XXXX XXXX XXXX Experian is inaccurately reporting this account as open with a balance of {$76000.00}, while both XXXX and XXXX correctly reflect it as fully paid and closed. 

As my student loans have been completely paid off, I request that Experian update my credit report to reflect the correct status. Enclosed are supporting documents verifying full payment. Please investigate this matter and provide written confirmation once the correction has been made.

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 2025-02-11 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:
A fraudulent item that I never benefited from continues to appear on my credit report, despite already being deleted by both XXXX and XXXX. Yet, this false and misleading information remains on my file, which is completely unacceptable. This situation is not only frustrating but also an insult to my integrity as a responsible consumer. It is causing me undue stress and anxiety, knowing that my rights are being blatantly violated. I have already reported this issue to the police and the Federal Trade Commission, yet no action has been taken to remove it from my 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 2025-02-11 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX isn't mine my information was used by someone to be as a cosigner vehicle has since then been wrecked totaled and paid from my understanding everything else accumulated are interest and the account was charged off or closed and according to Law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this account off my crrdit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, Nissan XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : XXXX. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
XXXX. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. Nissan XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
XXXX. The final payment was sent from XXXX XXXX to Nissan XXXX on XX/XX/XXXX, clearing my account. 
XXXX. Despite this, Nissan FXXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between Nissan XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, XXXX, XXXX ). 

I have already attempted to resolve this issue directly with Nissan XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of Nissan XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that Nissan XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with Nissan XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
XXXX ) XX/XX/XXXX : Sent letter # XXXX to TranUnion disputing the information listed under the collection account " Fair Collections and XXXX XXXX ''. They were reporting the account as an OPEN ACCOUNT and at the same time reporting it as closed on XX/XX/XXXX. It was paid off in full in XXXX. I also requested a copy of the account information that was sent to TransUnion from the data furnisher ( Fair Collections and Outsourcing ). I RECEIVED NO RESPONSE from Transunion. Letter was sent certified mail return receipt. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to TransUnion again disputing that the account was being listed as an OPEN ACCOUNT. They were now ALSO reporting a High Balance of {$580.00}. I also AGAIN requested the corresponding documentation showing that it is correct. Letter was sent certified mail return receipt. 
On XX/XX/XXXX TransUnion sent me the investigation results. They said it was VERIFIED AS ACCURATE AND UPDATED. And once again it was showing as an OPEN ACCOUNT. Now next to PAYMENT RECEVIED was a date XX/XX/XXXX ( {$0.00} ). 

XXXX ) XX/XX/XXXX : I also sent a letter to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to TransUnion! I let them know that I contacted the furnisher directly and after almost XXXX months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked TransUnion how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. Letter was sent certified mail return receipt. 

XX/XX/XXXX : I recieved the results of dispute from letter # XXXX. AGAIN IT CAME BACK AS VERIFIED AND ACCURATE. STILL SHOWING AS AN OPEN ACCOUNT!!!

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 2025-02-11 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-11 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY ON MY CREDIT REPORT AND NOTICED I HAVE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. THANK YOU.

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 2025-02-11 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information and Investigation Procedures Under XXXX Codes Dear Experian I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting an immediate reinvestigation into the following erroneous items : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. However, the presence of these inaccuracies indicates a failure to uphold this legal requirement. Additionally, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted.

Furthermore, I demand full disclosure of the methods used to investigate these disputed accounts under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the information you provide does not substantiate the accuracy of the reporting, I expect immediate deletion of the items per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please also be advised that any failure to comply with these legal requirements constitutes willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to potential civil liability.

I expect a formal response within the legally required 30-day period, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please send all correspondence to my address listed above. 

Sincerely, 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