vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
EDFINANCIAL Subject : Request for Student Loan Discharge Due to Unauthorized Data Breach ( FERPA Violation ) Dear TRANSUNION, I am formally requesting the immediate discharge of my federal student loans with XXXX ACCOUNT # XXXX and ACCOUNT # XXXX due to a recent unauthorized data breach involving XXXX XXXX  and potential violations of the Family Educational Rights and Privacy Act ( FERPA ). If my private student loan information has been improperly accessed without my consent, this constitutes a serious violation of my rights under federal law.

FERPA is designed to protect student records from unauthorized access, and any breach of these protections directly undermines the integrity of my loan obligations. Given the potential compromise of my personal information and financial records, I believe that my student loans should be discharged as a corrective measure for this violation.

I request : 1. Immediate cancellation of my student loan obligations due to the breach.

2.Details on what steps the XXXX XXXX XXXX is taking to address this FERPA violation and prevent further unauthorized disclosures. 



Failure to protect my educational records has directly impacted my rights and financial security. Therefore, I expect a timely and thorough response outlining the corrective actions being taken. Please confirm receipt of this request and provide an update as soon as possible. 

Sincerely, 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
When looking at this account the information is incorrect on all three bureaus. The Open date incorrect, Close Date incorrect, report Date incorrect, the account number is incorrect. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit file. This account should be removed for inaccurate information. The account should be removed with XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Equifax said that I had to sign over 50 % of my patents to Equifax in order for them to fix my credit and said they only care about big companies as I am a peasant.

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some lead love.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not let me dispute 3 collections showing up on my credit report, in totals of {$55.00}, {$900.00}, and {$990.00}, and none of these collection accounts even display a name of a company ( original creditor ), no contact info provided for any company, no payment history provided either- just a partial account number on each. Please see attached screenshots.

I have no idea what these accounts are for/ where they're from, and believe they may be fraudulent as my personal information has been leaked in numerous data breaches including the recent Experian, XXXX and XXXX XXXX breach, as well as the XXXX, XXXX and XXXX XXXX breaches in the last 10 years. 

Experian is suppose to ensure accurate reporting and that accounts that are submitted by any companies to ones personal credit report are providing all the required and necessary information to identify who the original creditor is, what the account history is, and company contact info. Experian has done a very poor job in regards to my account, allowing 3 unnamed collections accounts with missing data to be added to my credit report, negatively impacting my credit score and ability to rent and receive other financial opportunities.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccuracy in my credit report regarding my auto loan with CarMax Auto Finance. Upon reviewing my credit report, I noticed that the payment history for this account inaccurately reflects late or missed payments. This is incorrect, and my account should reflect that I have always paid on time, with no late payments or delinquencies.

The details of the account in question are as follows : Date ( s ) of Disputed Payment : XX/XX/XXXX and XX/XX/XXXX I would like to point out that I have always made my payments on time and that the reported late payments are erroneous. This inaccuracy is affecting my credit score and is damaging my financial reputation. I request that this information be corrected to reflect that my payments have always been made on time, and my account is in good standing with CarMax Auto Finance. 

Furthermore, I believe that the reporting of this inaccurate information may constitute a violation of the Privacy Act, as it reflects a failure to maintain accurate information, and possibly a failure to follow proper procedures in terms of privacy notice and consent. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate report of my credit history, and I believe this inaccuracy may indicate a failure in adhering to the requirements of this act, particularly in regard to the handling of my personal financial data.

I kindly request that you investigate this matter promptly and update my credit report to show that my account with CarMax Auto Finance is in good standing, with no late payments. I have attached supporting documents, including proof of payments and bank statements, which show that I have consistently made all payments on time. 

Please provide confirmation of the correction of this inaccuracy and update my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt resolution and an updated report reflecting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Number : * -- XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am submitting this complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report, despite multiple requests. I have been a victim of identity theft, which has resulted in unauthorized accounts, inquiries, and personal information discrepancies on my credit profile. Despite my formal requests for correction, these entities have failed to act in accordance with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Violations & Failure to Act The credit reporting agencies and data furnishers have committed the following violations : Failure to block fraudulent information ( 15 U.S.C. 1681c-2 ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Failure to safeguard my personal data ( 15 U.S.C. 1681b ( g ) ) Failure to ensure accuracy in reporting ( 15 U.S.C. 1681s-2 ) Disputed Items & Personal Information Corrections I formally request the immediate removal and correction of the following information : Name Correction : My full legal name should be displayed as XXXX XXXX only XXXX 

Address Update : Remove all outdated addresses. The only valid address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Phone Numbers : Remove all listed phone numbers. 

Social Security Number & Date of Birth : Ensure my Social Security number and date of birth are not displayed for privacy protection. 
Employer Information : Delete all employer-related data from my report.

Fraudulent Accounts : Remove all unauthorized accounts and fraudulent inquiries associated with identity theft. 

Data Breach Impact & Supporting Evidence My personal data was compromised in multiple data breaches, including : XXXX XXXX XXXX XXXXXXXX breach Equifax ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX ( XXXX ) : XXXX XXXX customer records leaked. 

XXXX ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite submitting multiple fraud alerts and disputes, the credit bureaus failed to take appropriate action, leaving me vulnerable to further fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  INQUIRY XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 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: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to formally dispute the collection account listed under my name and demand its immediate removal from my credit report. I do not acknowledge this debt or account, nor do I confirm any liability for it. The presence of my personal information in your records does not constitute my authorization of this account. My personal information was compromised in the XXXX data breach, and I believe this account may be a result of identity theft or unauthorized activity. As such, I am requesting that this account be removed from all credit reporting agencies immediately. Additionally, I demand that all collection efforts related to this account cease and desist, as required under the Fair Debt Collection Practices Act ( FDCPA ) f you are unable to provide a legally binding contract with my signature, confirming that I personally authorized this account, you must remove this collection from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report.

As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), Hard inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> LVNV Funding  - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Formal Demand for Immediate Removal of Stated Debt To whom it may concern ( LVNV Funding XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) I am writing to formally dispute the negative item that your company has reported on my credit report of {$10000.00}. This inaccurate and unverified reporting has directly impacted my ability to obtain credit for the purchase of a vehicle, which is essential for me to earn income and support my family. Your actions are not only causing financial hardship but may also constitute violations of federal law under : 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act - FDCPA ) : This law prohibits debt collectors from engaging in unfair, deceptive, and abusive collection practices. Proper notification of stated debt.

15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act - FCRA ) : This law mandates that all information reported to consumer credit agencies must be accurate, complete, and verifiable. 

I demand that you provide written validation of this debt, including but not limited to : 1. Proof that your company has the legal right to collect this debt.

2. A complete itemization of the alleged debt, including the original creditor and any payments made.

3. LVNV Funding notified me within 5 days of this new debt to dispute with Creditor 4. A copy of any signed agreement obligating me to this debt.

5. Documentation proving that this negative item was legally reported in compliance with FCRA regulations. 

I must now demand such validation within the next 15 days, as I have requested confirmation from your company on XX/XX/year>, you are legally required to remove this negative item from my credit report immediately. I have made the XXXX aware of this situation. Additionally, I will be reporting your actions to the FTC and Attorney General on XX/XX/year>. Additionally, I will explore legal options, including seeking damages for financial harm caused by your unlawful reporting. 

I expect a written response within 15 days to confirm the removal of this negative item or providing the requested verification. You may contact me by writing at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting 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.

Company response to consumer: Closed with explanation