vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint concerning a serious privacy breach involving my federal student aid records, which may fall under your jurisdiction due to the potential mishandling of financial data by affiliated loan servicers or educational institutions. 

On XX/XX/year>, an unauthorized individualMr. XXXX XXXX, who holds no position with the U.S. Department of Education or any federal entitywas granted access to sensitive personal and financial data connected to my student aid records. This incident constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), and may also represent a failure of data protection protocols by XXXX or more entities responsible for managing student loan information. 

I am requesting that the CFPB investigate whether any federal loan servicer, private lender, or third-party contractor violated consumer protection or privacy laws by improperly handling or disclosing my personal data. I also request confirmation of what specific data was disclosed and what actions will be taken to rectify this breach and prevent further occurrences. 

I am prepared to provide any supporting documentation upon request. Please confirm receipt of this complaint and advise on any next steps required. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint concerning a serious privacy breach involving my federal student aid records, which may fall under your jurisdiction due to the potential mishandling of financial data by affiliated loan servicers or educational institutions. 

On XX/XX/year>, an unauthorized individualMr. XXXX XXXX, who holds no position with the U.S. Department of Education or any federal entitywas granted access to sensitive personal and financial data connected to my student aid records. This incident constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), and may also represent a failure of data protection protocols by XXXX or more entities responsible for managing student loan information. 

I am requesting that the CFPB investigate whether any federal loan servicer, private lender, or third-party contractor violated consumer protection or privacy laws by improperly handling or disclosing my personal data. I also request confirmation of what specific data was disclosed and what actions will be taken to rectify this breach and prevent further occurrences. 

I am prepared to provide any supporting documentation upon request. Please confirm receipt of this complaint and advise on any next steps required. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint concerning a serious privacy breach involving my federal student aid records, which may fall under your jurisdiction due to the potential mishandling of financial data by affiliated loan servicers or educational institutions. 

On XX/XX/year>, an unauthorized individualMr. XXXX XXXX, who holds no position with the U.S. Department of Education or any federal entitywas granted access to sensitive personal and financial data connected to my student aid records. This incident constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), and may also represent a failure of data protection protocols by XXXX or more entities responsible for managing student loan information. 

I am requesting that the CFPB investigate whether any federal loan servicer, private lender, or third-party contractor violated consumer protection or privacy laws by improperly handling or disclosing my personal data. I also request confirmation of what specific data was disclosed and what actions will be taken to rectify this breach and prevent further occurrences. 

I am prepared to provide any supporting documentation upon request. Please confirm receipt of this complaint and advise on any next steps required. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, multiple hard pulls, Installment loans as well as multiple lines of credit. There is no possibility of me doing it, so they tell me they will remove it. If not I'll take it to court. But my life is ruined bc they let people use my credit when it is supposed to be frozen. Now I need it and I can't use it. I've never had any single dime on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent account reported by XXXX XXXX from my Innovis credit file. This account is not mine and was opened without my knowledge or authorization. I am a verified victim of identity theft and have been affected by several major data breaches, including the XXXX XXXX  data breach and the XXXX XXXX  data breach. My personally identifiable information ( PII ) was compromised in both incidents, increasing my vulnerability to such fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have setup an automatic payment on my auto loan since XX/XX/XXXX and suddenly in XX/XX/XXXX the automatic payment was removed without my consent or notification, i became aware of it only when i received an alert that my credit monitoring service that my credit history dropped from XXXX to XXXX due to a missed payment, then i called the customer service to find out seeking explanation on removal of the automatic payments, the rep mentioned that it could be because the loan reached half balance but was not sure and asked me to send a letter to their Chase Credit Bureau Dispute Processing. I have sent a letter asking the reason for removal of automatic payment and how this mistake from chase hurted my credit score badly. I have paid the loan amount in full after and also paid off the balance. 
I got a reponse letter that that they reported credit bureaus accurately but never explained why automatic payments were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I was able to get a loan from the company loan was paid off every time I apply for new loan I keep getting denied say I have a freeze which I don't once I talk to some and verify my bank info I just ended up being denied some reason told I don't make a enough which I do I'm a security guard I make XXXX every week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from 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 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OR

Complaint narrative:
Discover really did not address the situation in any real way, and could not have made the situation more confusing if they tried. They claim that on XX/XX/year>, they opened a fraud dispute on my behalf. However, this dispute shows nowhere in my account nor in the dispute center. It also does not provide any answers or explanation as to why my initial fraud dispute was closed and deemed " valid charges '' in the first place- when it clearly was not, as evidenced by them opening another fraud dispute for these fraudulent, unauthorized charges. Discover reversed the credit from the initial disputes I opened, leaving me in the negative on my balance, and with residual interest charges and late fees. None of this was addressed or removed. It doesn't appear that I have been credited on behalf of this supposed XX/XX/year> new dispute, and once again I have been charged interest and late fees despite this situation not being addressed or handled in any way, shape, or form - and no, I will not be paying those either, Discover, nice try. You're not getting the heinously high late fees and interest out of me for FRAUDULENT CHARGES I DID NOT MAKE that you failed to properly dispute in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws Description of the Issue : I am a victim of identity theft, directly resulting from the Equifax XXXX XXXX in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : XXXX U.S.C. XXXX Failure to block fraudulent information within XXXX business days of receiving my dispute and supporting documentation. 
XXXX XXXX. XXXX Unauthorized sharing of my personal and financial information without permissible purpose. 
XXXX XXXX. XXXX Failure to provide written notice of alleged debts within 5 days of reporting. 
XXXX XXXX. XXXX and XXXX Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX. XXXX Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form XXXX, if applicable. 

The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : Denials of credit applications. 
Damage to my credit score. 
Emotional distress caused by repeated failures of CRAs to address the issue. 

These Are The Actions Taken to Protect Myself : XXXX. Filed Multiple Identity Theft Reports with the FTC. 
XXXX. FTC Identity Theft Report Number : [ Insert Here ] XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
XXXX. Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
XXXX. Filed disputes with Experian, Equifax, and TransUnion. 
Currently in the process of filing a police 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws Description of the Issue : I am a victim of identity theft, directly resulting from the Equifax XXXX XXXX in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : XXXX U.S.C. XXXX Failure to block fraudulent information within XXXX business days of receiving my dispute and supporting documentation. 
XXXX XXXX. XXXX Unauthorized sharing of my personal and financial information without permissible purpose. 
XXXX XXXX. XXXX Failure to provide written notice of alleged debts within 5 days of reporting. 
XXXX XXXX. XXXX and XXXX Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX. XXXX Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form XXXX, if applicable. 

The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : Denials of credit applications. 
Damage to my credit score. 
Emotional distress caused by repeated failures of CRAs to address the issue. 

These Are The Actions Taken to Protect Myself : XXXX. Filed Multiple Identity Theft Reports with the FTC. 
XXXX. FTC Identity Theft Report Number : [ Insert Here ] XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
XXXX. Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
XXXX. Filed disputes with Experian, Equifax, and TransUnion. 
Currently in the process of filing a police 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I have tried to reach this loan servicer to setup a payment plan, but was unable to reach the loan servicer via phone. I have attempted to reach the loan servicer on multiple attempts but was unsucessful in my attempts to resolve this matter. I was not given a far chance to resolve this matter and I was subjected to unfair credit reporting as a result.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have setup an automatic payment on my auto loan since XX/XX/XXXX and suddenly in XX/XX/XXXX the automatic payment was removed without my consent or notification, i became aware of it only when i received an alert that my credit monitoring service that my credit history dropped from XXXX to XXXX due to a missed payment, then i called the customer service to find out seeking explanation on removal of the automatic payments, the rep mentioned that it could be because the loan reached half balance but was not sure and asked me to send a letter to their XXXX Credit Bureau Dispute Processing. I have sent a letter asking the reason for removal of automatic payment and how this mistake from chase hurted my credit score badly. I have paid the loan amount in full after and also paid off the balance.

I got a reponse letter that that they reported credit bureaus accurately but never explained why automatic payments were 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CT

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely,

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