vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX has repeatedly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

They have : -Contacted my XXXX  and disclosed that I owe them tons of money and that the alleged debt is related to furniture. 

-Contacted my XXXX  multiple times, telling her I reneged on my word twice, owe tons of money, and again claimed it was for furniture. 

-Repeatedly called my family members, who are third parties and not responsible for any alleged debt. 

-Called my phone up to XXXX times per day, which constitutes harassment. 

-Ignored a formal cease and desist request, which I sent by certified mail and email, demanding they stop contacting me and my family. 

Under 15 U.S.C. 1692c ( b ) of the FDCPA, it is illegal for debt collectors to discuss a consumer 's debt with third parties. Their actions are not only illegal, but also harassing, humiliating, and emotionally distressing. 

I am requesting immediate action to : -Investigate XXXX XXXX XXXX for ongoing violations. 

-Enforce compliance with the FDCPA. 

-Prevent further illegal contact with me or my family. 

I am also considering legal action for statutory damages and emotional distress.

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 2025-04-14 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( XXXX XXXX Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Incorrect payment history, incorrect balance, inaccurate date, incorrect address, incorrect reporting, account paid in full and still reporting, improper reporting. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported. 
Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I have attached a letter that will explain a lot better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-14 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX has violated my rights. 
15u.s.c 1681 section 602A. states i have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-14 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX has violated my rights. 
15u.s.c 1681 section 602A. states i have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
In either XXXX or XXXX of XXXX, the Federal government paused student loan repayments. Since that time, I have received no communication from EdFinancial regarding my loans or repayment status. Then, on XX/XX/XXXX, I received a series of letters in the mail ; one provided a statement, another a notification of a failed auto-payment and a third stating that my account was over 120 days late. I had no clue what these letters were and was shocked. I went to the link that the letters directed, and realized this was for EdFinancial and it wasn't a scam, seeking payment. When I logged into the account, I saw through the payment history, that they'd been attempting auto-debits since XX/XX/XXXX to an account that I had closed in XXXX. No notification had ever been sent to me to state that loans were going back into repayment. That aside, no notification has ever been sent to me to indicate that they'd been unsuccessfully attempting payment for the last 18 months. Only on XX/XX/XXXX had I received notice. I paid the late payment through my new checking account with another institution. When I spoke with an agent, she informed me that I was on electronic notification delivery. That said, not once had EdFinancial e-mailed me to say that they were attempting payment and payment had failed, or that they were even going into repayment status. Those messages sat in the EdFinancial inbox and no e-mail had ever been sent to my e-mail, which was on file with them, to indicate messages were waiting for me to read. Further, they had not sent me any letters in the mail either. They have now reported me 120 days late, even though I'm current and made myself current as soon as they actually notified me. This is incredibly deceptive and I made the late payment but if I'd been sent letter previously, as they finally did on XX/XX/XXXX, I would have addressed this before it ever went into a late status. They collected interest on me for loans that I could have already have paid off by now, if they'd only been responsible enough to reach out to me. I have received no e-mail or written letter from them in nearly 5 years and now they report me late without allowing me the opportunity to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-14 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: IL

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.

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-14 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: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-14 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: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I do not recognize these accounts on my credit files XXXX XXXX XXXX XXXX. 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 2025-04-14 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:
I do not recognize these accounts on my credit files XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-14 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX, my complaint is with the Truist bank in XXXXXXXX XXXX XXXX or XXXX XXXX XXXX there is a young lady in there that Im sure has had some type of physical relationship with my husband and I think because of things my husband is finding out I think she is giving him information about my account. I dont know this for sure but when I come home, were in the middle of separating And he knows things that he should not know. This lady has long blonde hair and thin, and Ive seen her work at the window and at the desk her name is XXXX XXXX. Or XXXX. She is thin with long blonde hair, and has areas that are blue and green. Im not positive that that is her name, but this is that the name plate that was at the front desk that she was working at. I have seen her work at the window as well. But working in insurance, I know you guys can see if she has ever access my account and I can promise you I have never spoke with her And she has no reason to access my account so I would like to know whether or not this happened and I also talked to another gentleman there which I thought was the bank manager, but as he got me my new card this was all because I had to get a new debit card and the change of address was not working and he asked me about. When am I going out of town? I dont know this gentleman at all. He had no reason to know that I was going out of town so it leads me to believe that theres things about my personal life and my account being discussed with people that have no business looking at my account and this XXXX XXXX is definitely does not have should not have access and I want I would like a call back after someone investigates this and let me know if shes ever access my account because shes never had a reason to, and just a heads up my husband is not on this account, and never has been

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