vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CT

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 non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: FL

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 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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-22 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: MD

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am writing to formally appeal XXXX recent decision to permanently close my XXXX  account and potentially withhold my funds for 180 days. I have been a loyal XXXX  user since 2020, maintaining a positive transaction history until this unfortunate incident. 

Recently, my account was compromised by individuals posing as XXXX  support representatives. Upon discovering unauthorized transactions and missing funds, I immediately reported the incident to XXXX. Instead of receiving assistance as a victim of fraud, I find myself being penalized with account closure and an extended hold on my funds. 

I want to bring to your attention several critical points : The fraud occurred due to sophisticated impersonation of XXXX  support staff, highlighting a security vulnerability in the system rather than any violation on my part. 

The funds currently held in my account ( {$470.00} ) were legitimately obtained through the sale of XXXX XXXX XXXXXXXX XXXX. 

Most crucially, these funds are urgently needed to purchase an XXXX XXXX XXXX XXXX ( XXXX  ) device for my XXXX XXXX  who has XXXX XXXX. She currently struggles with a XXXX XXXX XXXX that significantly impacts her ability to communicate with others, affecting both her education and mental well-being. This medical device is essential for her development and quality of life. 

I understand XXXX XXXX  commitment to maintaining platform security and preventing fraudulent activities. However, in this case, I am the victim of fraud, not the perpetrator. The extended hold on my funds creates an undue hardship, particularly given my daughter 's pressing medical needs. 

I can provide the following documentation to support my appeal : Complete transaction history showing my legitimate use of XXXX XXXX documentation regarding my daughter 's condition and the necessity of an XXXX device All correspondence with XXXX  support regarding the unauthorized access. 

I would like to add that my account is not yet closed but is still " frozen '' according to the site as well as the app therefore can still be " unfrozen ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I am opening this complaint to formally dispute the enforeceability of my federal student loan agreement ( Parent Plus Loans ) on the basis of a material alteration to the original contract.

According to the terms outlined in my promissory note, my loan was issued and administered by the US Department of Education. Recent federal action has eliminated or reassigned the Department 's responsibilities, with the Small Business Administration now serving as the managing entity.

This constitutues a substantial and unilateral alteration of the agreed upon terms materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the orginal contract. As such, I disupute the continued enforceablity of this obligation under its current structure. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX Direct Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX XXXX ; current balance - {$24000.00} XXXX Direct Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX XXXX ; current balance XXXX {$24000.00} XXXX Direct Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX ; current balance - {$8700.00} XXXX XXXX Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX ; current balance - {$830000.00} XXXX Direct Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX ; current balance - {>= $1,000,000} XXXX Direct Parent PLUS Loan ; taken out for child ( XXXX XXXX ) for XXXX XXXX ; current balance - {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$250.00} XXXX XXXX XXXX XXXXXX/XX/year> {$530.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-21 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: LEXISNEXIS
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate personal information on my credit report such as incorrect addresses, names, phone numbers and employment history that continues to negatively impact my credit despite my efforts to resolve this issue directly with the reporting agency dated : XX/XX/XXXX and XX/XX/XXXX. I have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-03-21 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: WY

Complaint narrative:
I am filing this complaint concerning the unauthorized and unlawful reporting of revolving balances, installment loans, and mortgage information by multiple furnishers across all three major credit reporting agencies Experian, XXXX, and XXXX. 

The accounts in question are listed below : Revolving Credit Lines ( Reported by All XXXX Bureaus ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage AccounXXXX XXXX XXXX XXXX  The information reported consists solely of transactions and experiences between myself and the creditors, and thus is excluded from the definition of a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). As such, these balances and related data should not be reported to or by any consumer reporting agency.

Furthermore, I did not authorize the reporting of this internal transactional data using my personal consumer file or Social Security number. The use of my SSN to transmit this excluded information to third-party reporting agencies constitutes a violation of the permissible purpose requirements under 15 U.S.C. 1681b.

I am therefore requesting : The immediate deletion of all revolving balances, installment loan balances, and mortgage reporting listed above from all three bureaus Experian, TransUnion, and Equifax. 

A full investigation and documentation of how this excluded information was furnished using my identity, without proper authorization. 

I reserve all rights under the FCRA to pursue further action if these unauthorized and unlawful data furnishings are not corrected.

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 2025-03-21 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: WY

Complaint narrative:
I am filing this complaint concerning the unauthorized and unlawful reporting of revolving balances, installment loans, and mortgage information by multiple furnishers across all three major credit reporting agencies Experian, XXXX, and XXXX. 

The accounts in question are listed below : Revolving Credit Lines ( Reported by All XXXX Bureaus ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage AccounXXXX XXXX XXXX XXXX  The information reported consists solely of transactions and experiences between myself and the creditors, and thus is excluded from the definition of a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). As such, these balances and related data should not be reported to or by any consumer reporting agency.

Furthermore, I did not authorize the reporting of this internal transactional data using my personal consumer file or Social Security number. The use of my SSN to transmit this excluded information to third-party reporting agencies constitutes a violation of the permissible purpose requirements under 15 U.S.C. 1681b.

I am therefore requesting : The immediate deletion of all revolving balances, installment loan balances, and mortgage reporting listed above from all three bureaus Experian, TransUnion, and Equifax. 

A full investigation and documentation of how this excluded information was furnished using my identity, without proper authorization. 

I reserve all rights under the FCRA to pursue further action if these unauthorized and unlawful data furnishings are not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX files a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Zwicker & Associates, XXXX. and XXXX XXXX XXXX XXXX ( XXXX ) for ongoing violations of the FDCPA, FCRA, Californias RFDCPA, CCPA, and the GLBA. Zwicker attempts to collect an alleged debt ( File ID : XXXX ) without providing legally required validation, despite XXXX sending multiple certified mail requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, 342 calendar days have passed since the initial validation request, and Zwicker continues collection efforts and credit reporting in direct violation of federal and state law. On XX/XX/XXXX, Zwicker mails XXXX a debt collection packet that includes private financial information for an unrelated third party, XXXX XXXXincluding his full name, address, date of birth, account number, and a {$16000.00} balance. XXXX repeatedly requests an investigation and remedy, but Zwicker refuses to acknowledge the privacy breach, violating provisions of the FDCPA, CCPA, and GLBA. Meanwhile, XXXX continues furnishing the unvalidated debt to XXXX and other credit bureaus despite multiple formal disputesviolating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information that is disputed or unverified. XXXX also highlights improper service in a related XXXX XXXX Superior Court case ( No. XXXX ), where Zwicker and XXXX serve legal documents to a minor. He sees this as part of a larger pattern of misconduct and refers to legal precedents like Sessa v. TransUnion and Spokeo v. Robins to support his claims. On XX/XX/XXXX, XXXX sends a final demand letter asking for closure of the debt, a halt to all collection and litigation efforts, written confirmation that the account wont be transferred or resold, permanent removal of all credit reporting, and a detailed response addressing the privacy breach. Zwicker and XXXX ignore the demands. XXXX estimates over {$9800.00} in damagesincluding over 45 hours spent on legal research and correspondence, missed mortgage refinancing due to negative credit reporting, higher auto loan interest, and reputational harm. He urges the CFPB to take immediate regulatory enforcement action, refer the case to the California Attorney General and DFPI, and pursue civil penalties. He also requests bar review of the attorneys involved and injunctive relief to stop ongoing violations. XXXX holds Zwicker, XXXX, and XXXX accountable for knowingly and repeatedly breaking the law while refusing to resolve the harm they cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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