vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 

In XXXXXXXX XXXX XXXX  I became aware that XXXX XXXX XXXX records may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my student loan servicer ( XXXX  ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( FERPA ).

XXXX XXXX XXXX XXXX may have been accessed or shared improperly.

I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in student loan reporting ). 
I am requesting a review of whether my loan servicer XXXX XXXX  ) or DOE improperly disclosed XXXX XXXX XXXX XXXX, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether XXXX XXXX XXXX XXXX was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer XXXX XXXX ) and the Department of Education provide a full explanation of how my student loan records have been handled, including whether they were disclosed to third parties. 

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 

In XXXX of 2025, I became aware that XXXX XXXX XXXX XXXX may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my student loan servicer ( XXXX ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX  payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( XXXXERPA ).

My student loan records may have been accessed or shared improperly.

I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in student loan reporting ). 
I am requesting a review of whether my loan servicer ( XXXX ) or DOE improperly disclosed my student loan information, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether XXXX XXXX XXXX information was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer ( XXXX XXXX and the Department of Education provide a full explanation of how XXXX XXXX XXXX records have been handled, including whether they were disclosed to third parties. 

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information in mt credit report and to bring to your attention a violation of 15 U.S. Code & 16811i ( a ), which governs reinvestigations of disputed credit report entries. 
I previously submitted a dispute regarding XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX on XX/XX/year>. According to 15 U.S. Code & 1681i ( a ), you were legally required to conduct a reasonable reinvestigation within 30 days ( or 45 days under certain circumstances ) and either verify, correct, or delete the dispute information. However, you have failed to comply with this legal requirement in the following ways : Failure to Reinvestigate you did not conduct a reasonable investigation into my dispute.

Failure to provide Result you did not notify me of the result of the reinvestigation within the required timeframe. 
Failure to Delete Inaccurate information Despite my request and supporting evidence, the erroneous information remain on my credit file. 
This failure to comply with federal law has caused harm to my credit worthiness and financial well-being. As such, I am demanding the following actions : 1.Immediate removal of inaccurate information.

2.A copy of my updated credit report showing the correction.

3.A written explanation of your failure to comply with 15 U.S. Code & 1681i ( a ).

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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

The following inaccurate accounts are still being reported : XXXX, account number XXXX, reporting balance of {$880.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$2100.00} ; XXXX XXXX  XXXX account number XXXX, reporting balance of {$760.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$1000.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$10000.00} ; XXXX XXXX XXXX, account number XXXX, reporting balance of {$220.0XXXX XXXX XXXX, account number XXXX, reporting balance of {$0.00} ; XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX balance of {$970.00} ; XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX balance of {$1200.00} XXXX XXXX account number XXXX, reporting balance of {$620.00}.

Additionally, the following unauthorized inquiries remain on my credit file : 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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect personal information must also be corrected. My report incorrectly lists my name as XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Additionally, incorrect previous addresses include XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX. These inaccuracies must be immediately 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 explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-03-05 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding These are three accounts that are not mine and are affecting my credit report negatively 1.Consumer Portfolios XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Ranging from the XXXX XXXX to XXXX XX/XX/year> I have been lied to and manipulated under false promises that when I send money I will receive it back. Totalling to around {$3000.00} now and he still asks for more I have tried reporting this to PayPal but they wont do anything about it. This is a scam and obviously he has received this income and it is not declared to be taxed which is illegal. Please help me best as possible. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information regarding the information that has been placed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Guidelines. The account information provided by your agency is inaccurate, incomplete, and does not comply with the requirements set forth by federal law and industry standards.

Specific Disputes : 1. Incorrect Reporting of Account Status : The account is reported as " Collection/Chargeoff '' with a derogatory status. However, the details provided are inconsistent and incomplete. For exam
ple : - The " XXXX XXXX XXXX  '' is listed as " XXXX XXXX '' which contradicts the status of a charge-off. 
- The " XXXX XXXX XXXX XXXX '' and " XXXX XXXX '' fields are also marked as " XXXX XXXX '' making it impossible to verify the accuracy of the account status.

2. Violation of Metro 2 Guidelines : - The Metro 2 guidelines require that all fields be accurately completed to ensure fair and transparent credit reporting. The incomplete and inconsistent information provided violates these guidelines.

- The account is marked as disputed by the consumer, but the dispute is not reflected in the reporting, which is a violation of FCRA Section 611.

3. Failure to Verify Debt : - I have not received any validation of this debt, including the original creditor 's name, the amount owed, or documentation proving the debt is valid and enforceable.

Request for Action : Under the FCRA, I request that you : 1. Conduct a thorough investigation of this account and provide me with all relevant documentation, including : - The original creditor 's name and contact information.

- A copy of the original purchase agreement or contrac
t that establishes the debt.

- A complete payment history, including all transactions and charges.

2. Correct or delete the inaccurate and incomplete information from my credit report.

3. Provide a written response detailing the results of your investigation and the actions taken to resolve this dispute. 

**The purchase agreement must be included in the investigation** as it is essential to verify the validity of the debt. Without this document, I can not confirm that the debt is legitimate or that I am legally obligated to pay it. 

If you fail to investigate and correct the inaccuracies within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA.

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 2025-03-05 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain charged-off accounts listed on my credit reports. These accounts have been reported without the issuance of the required IRS Form 1099-C, which creditors are obligated to provide in cases of debt discharge or cancellation exceeding {$600.00}. This omission violates federal regulations, which require complete and accurate reporting of financial information.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates a proper investigation upon a consumer 's dispute regarding the accuracy of information in their credit file.

I request that the accuracy of these accounts be verified and, if found to be unverifiable or inaccurate due to the lack of Form 1099-C, that the accounts be removed 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain charged-off accounts listed on my credit reports. These accounts have been reported without the issuance of the required IRS Form 1099-C, which creditors are obligated to provide in cases of debt discharge or cancellation exceeding {$600.00}. This omission violates federal regulations, which require complete and accurate reporting of financial information.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates a proper investigation upon a consumer 's dispute regarding the accuracy of information in their credit file.

I request that the accuracy of these accounts be verified and, if found to be unverifiable or inaccurate due to the lack of Form 1099-C, that the accounts be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-05 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: CA

Complaint narrative:
I have been battling identity theft for the past few months and I have been in contact with experian and Equifax several times within the past few months and they are refusing to help me with my current situation, I have submitted all supporting documents in order to support my claim in this current matter, experian is still refusing to remove the fruadulant address off my credit report with is a violation to my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been battling identity theft for the past few months and I have been in contact with experian and Equifax several times within the past few months and they are refusing to help me with my current situation, I have submitted all supporting documents in order to support my claim in this current matter, experian is still refusing to remove the fruadulant address off my credit report with is a violation to my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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