vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am writing to file a formal complaint and dispute regarding what I believe to be unauthorized access to my sensitive personal and financial information related to my federal student loans. I am deeply concerned that this access may have led to inaccuracies on my credit report and puts me at significant risk of identity theft.

My primary concern is that one or more entities associated with the U.S. government ( potentially including the Department of Education, its contractors, or loan servicers ) have allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent.

I did not authorize any third party, outside of the necessary entities directly involved in servicing my loan according to standard procedures, to access, view, or utilize my student loan information. This unauthorized access is a serious breach of my privacy. 

I believe this situation potentially violates federal laws designed to protect consumer financial information and personal data privacy, such as the Privacy Act of 1974, potentially the Fair Credit Reporting Act ( FCRA ) if this has impacted my credit report, and other regulations governing the handling of student loan information. The government has a responsibility to safeguard the sensitive data it collects and maintains, and I believe it has failed in this duty by permitting this unauthorized access.

Specifically, I request that the CFPB investigate the following : 1. How and when unauthorized third parties gained access to my student loan data.

2. Which specific government agencies, contractors, or servicers were involved or responsible for this data exposure.

3. Whether my data was accessed, used, or shared inappropriately by these third parties.

4. The steps being taken to rectify this breach, secure my data, and prevent future occurrences.

5. The impact this may have had on my credit report and any steps needed to correct potential inaccuracies or fraudulent activity.

Please find attached copies of any relevant documents, such as [ Mention any documents you are attaching, e.g., credit report sections, communication with servicers, etc. If none, remove this sentence or state " I can provide further documentation upon request. " ].

I request a thorough investigation into this matter and expect corrective action to be taken against any parties found responsible. I also request information on steps I can take to protect myself from identity theft resulting from this potential data exposure and assistance in correcting any related credit reporting issues.

Thank you for your time and attention to this critical matter. I look forward to your prompt response and investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/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 non-monetary relief
Consumer complaint received 2025-05-02 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 writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally request a copy of my Tenant Screening Report maintained by your agency. As a consumer, I understand that I am entitled to access this information under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the data being reported about me. Please consider this letter as my official request to obtain the most recent tenant screening report associated with my name and personal information. If additional verification is required, I am willing to provide any necessary identification documents upon 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX Reported a Missed Payment in XXXX of 2022 Ive reached out to them multiple times regarding this asking this to correct this as at that time the Account was locked due to Fraudulent Activity and I wasnt able to make any payments they told me this wouldnt affect my credit but it definitely did, as long as Ive had this card Ive never been XXXX  days late Ive written to them as they have asked me to twice no response whatsoever also have called they arent able to do anything about this over the phone and cant gets to the office of the President as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-02 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
No actions were taken by the company since I just recently just started to look at my credit report this week because I am planning on buying a car with no credit history. I am also afraid of trying to dispute something over the phone because nothing ever good comes out so I was told to file here. This little amount of money shouldnt be making me not able to lease a car since it was not authorized by me to be open. That card wasnt even paid any time of any month. And it appears it was opened after I opened my discover that I still am working with. So I dont know what happened.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I disputed two Unauthorized transactions pay any one payments to a XXXX XXXX whom in do not know Chime Did reimburse a {$160.00} but denied a {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing late payment marks reported by Capital One from XXXX and XXXX. In XXXX, I was in XXXX XXXX boot camp and had no access to manage finances. Ive attached my enlistment contract showing I entered service in XX/XX/XXXX. In XXXX, I faced a financial hardship after the passing of my maternal grandmother and took responsibility for funeral expenses. Ive since maintained an on-time payment record and my account is current. 

This is my third attempt to correct these marks. A Capital One agent once assured me that no late remarks would be reported, but they remain. Im requesting a goodwill adjustment or removal of the negative remarks as they do not reflect my intent or overall payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Portfolio Recovery Associates , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with Portfolio Recovery Associates , LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. Portfolio Recovery Associates , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.! THERE IS NO FORWARD FLOW AGREEMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
After disputing this card and unauthorized transactions due to identity theft, Discover still refuses to delete and remove this reporting to XXXX, XXXX, and XXXX. I have provided a police report showing the charges on this card were not authorized and a result of identity theft, however they are still suing me over this debt and refuse to delete this and report accurate information to all 3 bureaus after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc.
State: CA

Complaint narrative:
XXXX XXXX Reported a Missed Payment in XXXX of 2022 Ive reached out to them multiple times regarding this asking this to correct this as at that time the Account was locked due to Fraudulent Activity and I wasnt able to make any payments they told me this wouldnt affect my credit but it definitely did, as long as Ive had this card Ive never been XXXX days late Ive written to them as they have asked me to twice no response whatsoever also have called they arent able to do anything about this over the phone and cant gets to the office of the President as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
This bank bizarrely sent a letter stating that they have closed my credit card ending in XXXX as it was used for fraud or is in danger of fraud. I haven't used this card in about a year, and they never contacted me about any concerning behavior. I would like more information as suspected fraud is serious, and I should have been contacted about any concerns.

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 2025-05-02 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: Chime Financial Inc
State: NM

Complaint narrative:
Chime Credit Builder Lately I started seeing a lot of weird numbers being reported to the credit bureaus, as well as the statements I would receive every month started showing incorrect numbers that didnt reflect the transactions that I have made in & out of that credit builder account. I contacted the company mid XXXX of 2025 to get this issue resolved as it mustve been a mistake made in there end from the company, I spoke to a supervisor and they stated that there was a error made on there XXXX file, so they said it was escalated to the proper channels, 2 weeks later I called back to find out if this issue has been resolved but when calling back another supervisor stated there was nothing wrong with the account, trying to lie about it pretty much, I told him he needs to get a closer look because this is a serious issue, the supervisor than stated there was an issue and it will be escalated to the proper channels again, I also received a email containing a dispute confirmation, on the XXXX of XXXX, I received and email stating there was nothing wrong with the account, on XX/XX/2025 I deposited {$800.00} into my credit builder account, and then I used all that money to pay bills, my monthly statement on XX/XX/XXXX of 2025, states {$0.00} was added into that account, this is going to drastically drop my credit score. I need urgent help with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX on my TransUnion credit report - File Number : XXXX, alleging a balance of {$1000.00} originating from XXXX XXXX XXXX XXXX However, XXXX XXXX XXXX XXXX is not reporting an open tradeline, active balance, or any debt obligation on my TransUnion credit report. This account is being reported solely by XXXX XXXX XXXX, which has failed to produce any assignment of debt or original contract bearing my full name and Social Security number. No IRS Form 1099-C has been issued for this charge-off despite the balance being written off as a Profit and Loss Write-Off, in violation of IRS Code 6050P. The continued reporting of this unverifiable collection account by TransUnion is misleading and materially inaccurate, violating FCRA 1681e ( b ) and 1681i ( a ) ( 5 ). Portfolio Recovery Associates is falsely representing itself as a legal creditor for a debt that the original creditor is no longer reporting. I request immediate and permanent deletion of this account from my TransUnion credit 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Formal Dispute of Inaccurate Credit Reporting Self Financial/Lead Bank Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit file regarding the above-referenced account with Self Financial/Lead Bank. According to my records and the attached documentation, this account has been reported with conflicting or inaccurate data that is negatively affecting my credit. 

Specifically : The account is marked as Closed and Paid as Agreed, yet a 30-day late payment is reported for XX/XX/XXXX, which contradicts the reported status. 
Additionally, the same account appears to be reported with two different sets of activity dates this raises questions of potential duplication or incorrect data entry. 
The payment history shows that I made 94 % of payments on time, and the balance has been fully paid with {$0.00} remaining. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that all information furnished is accurate and complete. The conflicting reporting dates and derogatory marks on this account appear to violate that obligation. 

I respectfully request that this account be reviewed and that : 1. The 30-day late payment indicator be removed as it is inaccurate in the context of the account being Paid as Agreed.

2. Any duplicate or conflicting reports for the same account be corrected or removed.

3. A corrected version of my credit report be sent to me once the investigation is complete. 

Please reinvestigate this matter and provide written confirmation of the outcome within the 30-day period required by law. I have attached screenshots of the reporting as evidence to support my dispute.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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