vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Financial Data Exposure and Reporting ( XXXX XXXX XX/XX/year> ) Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint regarding the unauthorized access and/or misuse of my personal financial data, specifically involving my student loan records and credit reporting, during or around XX/XX/year>. 

The incident appears to involve or stem from external activity associated with XXXX XXXX and the XXXX ( XXXX ) development team, who are alleged to have accessed or interacted with consumer data through decentralized platforms or integrated systems. I did not consent to the use, sharing, or exposure of my data to any crypto entity or unaffiliated financial platform. 

As a result of this breach or unauthorized access : My student loan details were improperly exposed Inaccurate information may have been transmitted to the credit bureaus I have experienced distress and potential reputational harm I did not authorize the sharing of my data with any external blockchain, cryptocurrency, or financial technology entity. The exposure has resulted in distress, confusion regarding my student loan status, and negative implications for my credit reporting. 
Violating Parties ( as known ) : XXXX XXXX ( individual/entity ) DOGE cryptocurrency developers Associated Press XXXX XXXX : XXXX Potential Source of Disclosure : Aidvantage, Account # XXXX, XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX Stafford Subsidized Aidvantage, Account XXXX XXXX, XXXX XXXX University o XXXX Direct Parent Plus o XXXX Direct Parent XXXX XXXX XXXX Direct Parent Plus o XXXX Direct Parent Plus o XXXX Direct Parent Plus This incident may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and CFPB consumer data protection standards, particularly concerning the misuse or transmission of personal financial records without consumer authorization. 
Requested Resolution : Investigation into any third-party access or use of my personal loan/financial records Correction of any affected credit entries Written explanation of any findings and steps taken to protect consumer data going forward

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 2025-05-05 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: AL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Financial Data Exposure and Reporting ( XXXX XXXX XX/XX/year> ) Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint regarding the unauthorized access and/or misuse of my personal financial data, specifically involving my student loan records and credit reporting, during or around XX/XX/year>. 

The incident appears to involve or stem from external activity associated with XXXX XXXX and the XXXX ( XXXX ) development team, who are alleged to have accessed or interacted with consumer data through decentralized platforms or integrated systems. I did not consent to the use, sharing, or exposure of my data to any crypto entity or unaffiliated financial platform. 

As a result of this breach or unauthorized access : My student loan details were improperly exposed Inaccurate information may have been transmitted to the credit bureaus I have experienced distress and potential reputational harm I did not authorize the sharing of my data with any external blockchain, cryptocurrency, or financial technology entity. The exposure has resulted in distress, confusion regarding my student loan status, and negative implications for my credit reporting. 
Violating Parties ( as known ) : XXXX XXXX  ( individual/entity ) XXXX  cryptocurrency developers Associated Press XXXX XXXX : XXXX Potential Source of Disclosure : Aidvantage, Account # XXXX, XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX Stafford Subsidized Aidvantage, Account XXXX XXXX, XXXX XXXX University o XXXX Direct Parent Plus o XXXX Direct Parent XXXX XXXX XXXX Direct Parent Plus o XXXX Direct Parent Plus o XXXX Direct Parent Plus This incident may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and CFPB consumer data protection standards, particularly concerning the misuse or transmission of personal financial records without consumer authorization. 
Requested Resolution : Investigation into any third-party access or use of my personal loan/financial records Correction of any affected credit entries Written explanation of any findings and steps taken to protect consumer data going forward

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX OF XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX  NA Inquired on XX/XX/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 XX/XX/XXXX 2024

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

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-04 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses was ever tied to my name. I have updated my address to the current one which I've been here over 10 years with all credit bureaus. Remove these illegal accounts not tied to me under FCRA and FTC Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XX/XX/XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XX/XX/XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XX/XX/XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XX/XX/XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$44.00} Date Opened XX/XX/XXXX us dept ed Balance {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX {$1300.00} Date Opened XX/XX/XXXX 2024

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 2025-05-04 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:
XXXX XXXX has reported inaccuracy to the XXXX major credit bureau. The car was voluntarily repossessed due to the dealer selling a lemon and the car having issues less then XXXX XXXX after purchase. Its been XXXX  years and they have reported inaccurate information of what is owed on the vehicle and never submitted deficiency letter. I have disputed the inaccuracy several times with Experian and requested documents that was never received and delinquent account never deleted. XXXX  failed investigate submitted documents that were never viewed. I request that they provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Failure to furnish the requested proof within XXXX  days from the receipt of the notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX has reported all different balances to each credit bureau. Along with the last date of payment was XX/XX/2020 and they have it as XX/XX/2020 yet repo in XX/XX/2020. Remove this off my credit report as it 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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement which XXXX clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. 

As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. 2016 ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter. 

The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Credit bureau has late payments currently reporting on my consumer credit report not permissible by 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I owed XXXX to XXXX XXXX XXXX. It was turned over to a collection agency, I paid XXXX ( see screenshots ). I disputed with TransUnion and XXXX  on XX/XX/year>, XXXX XXXX  claim was deinied see screenshots.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I retired in XX/XX/year> contacted the credit card company who said retirement is not a hardship even though my income decreased.

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 





XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - {$11000.00} UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
hello my name is XXXX XXXX iam writing to delete information on my file. The items I need deleted or listed in the report. I am a victim of identity theft and I did not make or approve of this charge. I asked that these items be deleted to correct my credit report. I reported the identity theft to thefederal trade commission and Ive also enclosed copies of the Federal Trade Commission adavit. please delete these items as soon as possible 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 2025-05-04 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: GA

Complaint narrative:
hello my name is XXXX XXXX iam writing to delete information on my file. The items I need deleted or listed in the report. I am a victim of identity theft and I did not make or approve of this charge. I asked that these items be deleted to correct my credit report. I reported the identity theft to thefederal trade commission and Ive also enclosed copies of the Federal Trade Commission adavit. please delete these items as soon as possible thank you.

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

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to XXXX XXXX XXXX  Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the XXXX XXXX XXXX XXXX, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within XXXX days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-XXXX XXXX XXXXXXXX abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief