vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers.

2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information.

3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : XXXX. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
XXXX. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
XXXX. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
XXXX. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
XXXX. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN has failed to comply and delete inaccurate accounts being reported to my report. 

XXXX. ) Account Name : XXXX XXXX XXXX, Account # XXXX This account appears inaccurately on my Experian credit report. Neither XXXX nor XXXX contains any record of this account. In addition I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. 


XXXX. ) Account Name : XXXX XXXX XXXX Account # XXXX This account appears inaccurately on my Experian credit report. Neither XXXX nor XXXX contains any record of this account. Additionally, as a charge-off, this account can not be validated without proper verification.

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 2025-02-09 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:
Equifax XXXX / balance {$700.00}. XXXX / balance {$610.00}.

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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The company stated the information was verified but did not present any original documents with my signature stated I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
All of these accounts and collections i have no knowledge of and now they are effecting my way of life.

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 2025-02-09 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:
All of these accounts and collections i have no knowledge of and now they are effecting my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX ) regarding inaccurate and misleading credit reporting. My account was originally reported as negative in XXXX month, but after I disputed the error with TransUnion, XXXX XXXX altered the reporting date to a different monthwhile still maintaining the negative status. 

I believe this adjustment was done intentionally to avoid removing the negative history from my credit report. Changing the reported month does not resolve the inaccuracy ; instead, it suggests an attempt to manipulate the reporting timeline to my disadvantage. 

I have attempted to resolve this issue directly with XXXX XXXX, but they have not corrected the reporting to reflect accurate and fair information. This practice has harmed my credit standing and financial well-being.

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 2025-02-09 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: PA

Complaint narrative:
On XX/XX/year> I submitted a complaint number XXXX reporting that Equifax refuse to remove and correct the information reported on my credit report. On XX/XX/year>, I received a letter dated XX/XX/year> from Equifax Information Service LLC stating " We are unable to located a credit file in our database with the identification information you provided. '' This is completely not true. I have a credit file with Equifax and they send me my reports. This is why I am sending the information because they can NEVER seem to get the information correct and whenever I dispute it ; they can't seem to find my file. Making it completely difficult for me to address any issues that I have with my credit report. Furthermore, if they are unable to locate my credit file, how are they able to accept information from other companies and report incorrect information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XX/XX/XXXX AMSHER COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX RE : Dispute of Collection Account ( Account # XXXX ) ** Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account listed on my XXXX credit report under your companys name. The account in question is identified as **Account # XXXX, with an alleged balance of ** $ XXXX and an original creditor listed as XXXX 

1. This account is being reported inaccurately and/or incompletely for the following reasons : 2. 
- **Incorrect Date of Opening** : The account is listed as having been opened on XX/XX/XXXX, which is incorrect because I did not have any dealings with XXXX or AMSHER COLLECTION SERV at that time. 

1. - **Inaccurate Past-Due Balance** : The account is listed as being ** {$1000.00} past due as of XXXX XXXX, which is inaccurate because I have no outstanding debt with XXXX This debt is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that you conduct a thorough investigation into the accuracy of this account and provide me with all documentation validating the debt, including : - A copy of the original contract or agreement with XXXX 
- Proof that I am legally responsible for this debt. 
- A detailed account history, including all payments and charges. 
3. If the debt can not be validated, immediately remove the account from my credit report and notify all credit bureaus to which youve reported it.

Furthermore, if this debt has passed the **statute of limitations** for collection in my state, I request that you cease all collection activities and remove the account from my credit report.

Please provide written confirmation of the outcome of your investigation within **30 days** of receiving this letter, as mandated by the FCRA. Failure to comply with this request may lead to legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to file a complaint against the Transunion credit reporting agency. I have on serval occasions disputed XXXX XXXX XXXX, with the Credit bureau. The agency has deleted the collection and the next month has added the collection back to the report, several times. I want to process with Description of Procedures. This gives me the right to ask the XXXX, how they verified the information. I have also requested the XXXX XXXX, not being available and the debt being securitized by the original credit, and still have not received anything from the bureau or collection agency. 

Under the current laws. LawXXXX XXXX XXXX XXXX a ) ( XXXX ) if the FCRA & XXXX XXXX XXXX this collection should be deleted 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to file a complaint against the Transunion credit reporting agency. I have on serval occasions disputed XXXX XXXX XXXX, with the Credit bureau. The agency has deleted the collection and the next month has added the collection back to the report, several times. I want to process with Description of Procedures. This gives me the right to ask the XXXX, how they verified the information. I have also requested the XXXX XXXX, not being available and the debt being securitized by the original credit, and still have not received anything from the bureau or collection agency. 

Under the current laws. LawXXXX XXXX XXXX XXXX a ) ( XXXX ) if the FCRA & XXXX XXXX XXXX this collection should be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: DC

Complaint narrative:
The TransUnion website offers a service to create an account and thereby mange your credit, including freezes. I created an account through their process and subsequently verified both my phone number and email address. 

When trying to use their " Account Freeze '' options, the webpages will simply not load or not process the freeze request.

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 2025-02-09 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: GA

Complaint narrative:
I requested Transunion to verify the accounts on my credit report since my account, also copies of verification and proof of any contracts allegedly I have with third party debt collectors, copies of contracts, and certified public copies of any liens, credit transactions, or debt that have been registered of any kind associated with the consumer. I sent XXXX requests : XXXX through XXXX on XXXX XXXX through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX entered a class action lawsuit in XXXX where they were found to have been practicing predatory loans to consumers based off of demographic. 

They were found guilty of having the hopes that this demographic will default on there loans and were responsible for providing XXXX XXXX in relief to consumers who received a loan from them. My state of Maryland was listed in the lawsuit of being due just cause for the transgressions. 

I received a loan from XXXX in XXXX having no employment and only having income that was no match for the demands of the contract. As they expected the contract went awry and they quickly took the vehicle back and charged off the account. 

I am requesting the deletion of this account as I was definitely a consumer who not only was violated due to the COVID CARES act but also a victim of the class action lawsuit which included my account and it should not be reported across XXXX, Transunion or XXXX. 

Furthermore, I disputed this account and received a simple " verified '' from these bureaus. They did not investigate and observe that the late payment reporting is incorrect, charge off information differs across the bureaus, they didn't consider the CARES ACT for excuses the debt, and they did not consider the class action lawsuit against XXXX. 

According to consumer law, we consumers are due the utmost complete reporting and these bureaus have failed across the board in doing so. I request this reporting with XXXX is removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
XXXX entered a class action lawsuit in XXXX where they were found to have been practicing predatory loans to consumers based off of demographic. 

They were found guilty of having the hopes that this demographic will default on there loans and were responsible for providing XXXX XXXX in relief to consumers who received a loan from them. My state of Maryland was listed in the lawsuit of being due just cause for the transgressions. 

I received a loan from XXXX in XXXX having no employment and only having income that was no match for the demands of the contract. As they expected the contract went awry and they quickly took the vehicle back and charged off the account. 

I am requesting the deletion of this account as I was definitely a consumer who not only was violated due to the COVID CARES act but also a victim of the class action lawsuit which included my account and it should not be reported across XXXX, Transunion or XXXX. 

Furthermore, I disputed this account and received a simple " verified '' from these bureaus. They did not investigate and observe that the late payment reporting is incorrect, charge off information differs across the bureaus, they didn't consider the CARES ACT for excuses the debt, and they did not consider the class action lawsuit against XXXX. 

According to consumer law, we consumers are due the utmost complete reporting and these bureaus have failed across the board in doing so. I request this reporting with XXXX is removed immediately.

Company response to consumer: Closed with non-monetary relief