vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies ( DODGE ) . I understand that my student loan data includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ) has been accessed by these parties without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am overwhelmingly concerned of the misuse of my private data. 
This unauthorized access appears to be a direct violation of my rights under FERPA. The student loan database including my social security number, financial records along with sensitive and personal details requires the highest level of confidentiality. The lack of legitimacy on XXXX XXXX behalf for this level of access compounds the severity of this breach. 
Due to this serious FERPA violation leaving me vulnerable and resulting risking my privacy and financial security, with this I am respectfully requesting the following actions : 1. Immediate and Through investigation : I request an investigation composed of transparency and intense comprehension involving the unauthorized disclosure. This investigation should identify the parties involved responsible for releasing my data, the purported legal justification, specific reas

on ( s ) the data is being used. 2. Immediate Cessation of Data Sharing : I demand that the Department of Education immediately stop sharing my student loan inform
ation with XXXX XXXX, his companies and/or any other third party who have unauthorized legal access. 
3. Loan Discharge as a Remedy : Given the significant breach of my privacy rights and the Departments failure to protect my sensitive information, I request a full discharge of my student loan obligations. Due to the mishandling of my loan, a discharge in my view is the only appropriate course of action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies ( DODGE ) . I understand that my student loan data includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ) has been accessed by these parties without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am overwhelmingly concerned of the misuse of my private data. 
This unauthorized access appears to be a direct violation of my rights under FERPA. The student loan database including my social security number, financial records along with sensitive and personal details requires the highest level of confidentiality. The lack of legitimacy on XXXX XXXX behalf for this level of access compounds the severity of this breach. 
Due to this serious FERPA violation leaving me vulnerable and resulting risking my privacy and financial security, with this I am respectfully requesting the following actions : 1. Immediate and Through investigation : I request an investigation composed of transparency and intense comprehension involving the unauthorized disclosure. This investigation should identify the parties involved responsible for releasing my data, the purported legal justification, specific reason ( s ) the data is being used.

2. Immediate Cessation of Data Sharing : I demand that the Department of Education immediately stop sharing my student loan information with XXXX XXXX, his companies and/or any other third party who have unauthorized legal access. 
3. Loan Discharge as a Remedy : Given the significant breach of my privacy rights and the Departments failure to protect my sensitive information, I request a full discharge of my student loan obligations. Due to the mishandling of my loan, a discharge in my view is the only appropriate course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Reinvestigation of Misleading Information under FCRA Section 605B DearExperian, I am writing for you the credit bureau to reinvestigate information on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). I recently acquired and rechecked a copy of my latest credit report from your organization and discovered that these items is still reporting also I believe that these accounts were anonymous or unverified and should be removed or amended.I also filed a complaint through Federal Trade Commission to support my claim which is attached at the bottom of this letter together with my proof of identity documents. FTC reference number is : XXXX. 

Under 15 U.S. Code 1692e. ( False or misleading representations ), you failed to notate these accounts was in dispute within 30 days now these accounts are in violation. 

I believe there is actually errors or inaccuracies in the information provided to me, and I am requesting a thorough re-investigation into the matter as outlined in the FCRA. The data breach notice fails to provide specific details regarding the nature of the breach, the extent of the information compromised, and the actions being taken to mitigate the risks to my personal information. 

I request a thorough reinvestigation into this matter as required by the FCRA. Please verify the accuracy of the information provided by the creditor and ensure that it is reported correctly. If you find that the disputed items were inaccurate, incomplete, or unverifiable, I request its prompt removal 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> inquiries to experian the credit report company why my score fell XXXX points without explaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

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
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed by an online car dealership, and I requested my money, be refunded from Chime the fees and everything that I paid the company. Chime decided that they didnt see where it was fraudulent even with me, sending them receipts and decided because I kept going back-and-forth with them and randomly closed my account

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

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: MA

Complaint narrative:
Ed Financial Services Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone Number changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a US postal letter to advise me payment was missing. ED Financial waits 90+ days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last Friday when i received an email at XXXX XXXX stating my Credit score had changed. 
i am a XXXX XXXX and have Zero Late Payments with a XXXX Fico ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous 10 - 15 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Front-line and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX or Fed XXXX loan had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the MPN with NO Phone Number- this is unfair had ED Financial reported as a 30 day late i would have received the notice from my other Creditors advising a change in my FICO Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain 90+ days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in Ed Financials File .. i also advised the supervisor " XXXX '' at Ed Financial i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated XXXX .. as a professional i would have been aware the loan was in arrears after 30 days with proper reporting VS a 90 DAY report. 
ALL MY VERY BEST, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On Friday, XX/XX/XXXX I noticed a check had been written on my checking account that was a fraudulent check. Check was for {$2200.00}. I called the " help line '' for Truist Bank. Told them what happened. I THOUGHT they filed a claim for me for the bogus check. I also THOUGHT they had put a block on my account so no more charges could go through on my account until I could get in on Monday to close the account. On Saturday, XX/XX/XXXX I also found some fraudulent charges on my husband 's debit card. My husband had been deceased 2 weeks at this point. I once again called the bank to notify them of these fraudulent charges. On Monday, XX/XX/XXXX I went to a Truist bank to close out my checking account. I was notified at this point there WAS NO BLOCK on my check account. So, it was unprotected from Friday until Monday where people could have put more charges on the account. Account was closed and a new account opened. Today, Tuesday, XX/XX/XXXX, I have been notified that a claim was never filed for the {$2200.00}. WHY? That's why I called the bank in the first place on Friday. Second thing today, the bank wanted to know where I kept my checks. Of all the stupid questions!! Anyway, to say the least, I am highly irate. Why has the bank done nothing to help after I noticed fraudulent behavior. The only person that's been halfway helpful is the women at the bank who helped close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Round 1 ( 1692g Validation of Debt ) Name : XXXX XXXX XXXX XXXX Address : XXXX fm XXXX. Apt XXXX XXXX, Tx, XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX. 

I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Crditor Name : LVNV FUNDING LLC Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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