vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Urgent Concern Regarding FERPA Violations and Student Loan Privacy Breach To whom this may concern, I am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025. 
As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the SBA or any other entity. The reported move of student loan oversight from the DOE to the SBA under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower. 
Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information. 
Given the gravity of these concerns, I respectfully request that your office : 1. Investigate whether the proposed transfer of student loans from the DOE to the SBA in 2025 constitutes a breach of contract and a violation of borrower rights. 
2. Examine whether this transfer or any related actions violate FERPA by exposing students ' personal and financial data to unauthorized entities. 
3. Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws.

4. Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition.

I urge your office to take swift action to prevent potential harm to millions of student loan borrowers who may be impacted by this unprecedented shift in student loan administration. Please provide guidance on what legal protections are available to borrowers in my situation and any steps I can take to safeguard my rights. 
Thank you for your time and attention to this urgent matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I am writing to notify you that I am a victim of identity theft. I did not open or authorize the following accounts, which are appearing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted multiple times to unfreeze my credit report through Experian, Equifax, or TransUnion. Despite calling and confirming with their representatives that there is nothing wrong, I am still unable to successfully unfreeze my credit file. 

Because of this unresolved issue : I was previously denied housing due to the severity of the freeze I am now unable to proceed with a background check for a contract with XXXX XXXX XXXX XXXX XXXX, which is delaying my ability to work as a licensed insurance agent. This issue has negatively impacted both my personal life and professional opportunities. I have made multiple good faith attempts to resolve this directly with the bureau, and they have failed to take meaningful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OR

Complaint narrative:
I am formally disputing inaccurate and unverifiable late payment reporting by Equifax related to the following closed accounts with {$0.00} balances : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For XXXX XXXX XXXX Equifax is the only bureau reporting late payments. Both Experian and XXXX  report this account as paid as agreed with no late history. Equifaxs reporting conflicts with these and is not supported by any available payment data. 

For XXXX XXXX, each credit bureau reports a different number of late payments. This inconsistency clearly signals that one or more of the data sources is inaccurate. On XX/XX/year>, I submitted a formal dispute to Equifax regarding inaccurate late payment data on XXXX closed accounts with {$0.00} balances : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Both accounts have been paid off and closed, which means they are no longer active, and their reporting should reflect accurate, verifiable payment history only. Equifax continues to report late payments on these accounts, despite the fact that : For XXXX XXXX XXXX  and XXXX  report no late payments and list the account as Paid as Agreed. 

For XXXX XXXX, the number of late payments differs across all three bureaus, creating conflicting and unreliable records. 

XXXX own credit portal provides no actual payment history, past due balances, or dates to support the derogatory marks. These inconsistencies and lack of supporting data violate the Fair Credit Reporting Acts requirement for accurate, verifiable information. 

I submitted a 609 and 611 dispute along with legible identifying documents including a drivers license, Social Security card, and proof of address. Equifax rejected the dispute, falsely claiming the documents were illegible and labeling the dispute frivolous. No investigation was conducted, and no verification was provided.

Because these accounts are closed, no new data can justify the continuation of derogatory marks. And because no verification has been offered for the historical data, all late payments associated with these tradelines must be deleted under FCRA 609 and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I had this account with XXXX XXXX XXXX XXXX after I informed you that it wasn't mine, as I've never had an account with them. However, it keeps showing up on my credit report from different collection agencies. What steps can I take to get help in permanently removing this, so it doesn't keep appearing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Potential Errors or Inconsistencies : 1. High Credit Discrepancy ( Equifax ) : Equifax is reporting a {$0.00} high credit, while TransUnion and Experian report {$480.00}. 
If the account was used and reported as open, the high credit should be consistent and reflect actual usage. 
XXXX. Date Opened Slightly Inconsistent : TransUnion lists the account opened on XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX. 
While this may seem minor, inconsistencies in account opening dates can affect credit scoring and verification. 
XXXX. Comment Field Discrepancy ( Equifax ) : Equifax includes Charge Amount in H/C column is credit limit, which might be misleading if the account is a revolving credit card, not a charge card with no pre-set limit. 
This may misclassify the account type for scoring models. 
4. Payment History Inconsistency ( TransUnion & Equifax ) : Both TransUnion and Equifax show a 30-day late mark in XX/XX/XXXX, even though the balance is {$0.00} and the status is Current. 
This is contradictory and may negatively impact your score an account can not be both current and 30 days late at the same time. 
XXXX. Inconsistent Date of Last Payment : TransUnion and Experian list it as XX/XX/XXXX, Equifax says XX/XX/XXXX. 
This should be uniform across all bureaus if the same payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Potential Errors or Inconsistencies : 1. High Credit Discrepancy ( Equifax ) : Equifax is reporting a {$0.00} high credit, while TransUnion and Experian report {$480.00}. 
If the account was used and reported as open, the high credit should be consistent and reflect actual usage. 
XXXX. Date Opened Slightly Inconsistent : TransUnion lists the account opened on XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX. 
While this may seem minor, inconsistencies in account opening dates can affect credit scoring and verification. 
XXXX. Comment Field Discrepancy ( Equifax ) : Equifax includes Charge Amount in H/C column is credit limit, which might be misleading if the account is a revolving credit card, not a charge card with no pre-set limit. 
This may misclassify the account type for scoring models. 
4. Payment History Inconsistency ( TransUnion & Equifax ) : Both TransUnion and Equifax show a 30-day late mark in XX/XX/XXXX, even though the balance is {$0.00} and the status is Current. 
This is contradictory and may negatively impact your score an account can not be both current and 30 days late at the same time. 
XXXX. Inconsistent Date of Last Payment : TransUnion and Experian list it as XX/XX/XXXX, Equifax says XX/XX/XXXX. 
This should be uniform across all bureaus if the same payment was made.

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 2025-04-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this formal complaint against Flagship Credit Acceptance for knowingly and willfully reporting inaccurate, incomplete, and unverifiable information to the credit reporting agencies TransUnion, Experian, and Equifax in violation of FCRA 602, 605, 607, 609, 611, and 623, as well as Truth in Lending Act ( TILA ) and UCC 3-501. 

The account in question ( Auto Loan # XXXX ) is reported as a derogatory charged-off account, yet : There is no original signed contract or promissory note proving I consented to the terms of this debt a clear violation of FCRA 609 ( a ) ( 1 ) and UCC 3-501 . If you can not produce my wet ink signature and original documentation, you have no right to report this debt.

The account continues to update monthly after it was charged off in 2022, which is known as re-aging the debt, an illegal practice under FCRA 605 ( c ).

The high credit amount is inconsistent across bureaus ( Equifax shows {$14000.00} vs {$19000.00} on TransUnion and Experian ), which violates 623 ( A ) ( 1 ) ( A ) for furnishing inaccurate data.

Equifax shows no payment history ( all K indicators ) while TransUnion and Experian show derogatory charge-offs further proof that the data is not accurate, complete, or consistent.

The account is noted as disputed, yet derogatory data continues to report monthly this contradicts FCRA 611 ( b ), and the data must be either corrected, removed, or clearly marked as unresolved.

I never received any Truth in Lending Act ( TILA ) disclosures at the time of the alleged agreement, which makes this contract non-compliant and legally unenforceable.

No IRS 1099-C was issued for the charge-off amount of {$7500.00}. This violates IRS Pub 4681, and suggests that XXXX may be misreporting their losses for tax advantages, while still pursuing me for a debt they wrote off. 
Due to these numerous and serious violations, I am demanding the immediate deletion of this account from all three credit bureaus. If this is not resolved within 15 days, I will escalate this matter further with legal counsel, the FTC, and the Attorney General. 

I am documenting violations for legal remedy and FTC escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I am filing this formal complaint against Flagship Credit Acceptance for knowingly and willfully reporting inaccurate, incomplete, and unverifiable information to the credit reporting agencies TransUnion, Experian, and Equifax in violation of FCRA 602, 605, 607, 609, 611, and 623, as well as Truth in Lending Act ( TILA ) and UCC 3-501. 

The account in question ( Auto Loan # XXXX ) is reported as a derogatory charged-off account, yet : There is no original signed contract or promissory note proving I consented to the terms of this debt a clear violation of FCRA 609 ( a ) ( 1 ) and UCC 3-501 . If you can not produce my wet ink signature and original documentation, you have no right to report this debt.

The account continues to update monthly after it was charged off in 2022, which is known as re-aging the debt, an illegal practice under FCRA 605 ( c ).

The high credit amount is inconsistent across bureaus ( Equifax shows {$14000.00} vs {$19000.00} on TransUnion and Experian ), which violates 623 ( A ) ( 1 ) ( A ) for furnishing inaccurate data.

Equifax shows no payment history ( all K indicators ) while TransUnion and Experian show derogatory charge-offs further proof that the data is not accurate, complete, or consistent.

The account is noted as disputed, yet derogatory data continues to report monthly this contradicts FCRA 611 ( b ), and the data must be either corrected, removed, or clearly marked as unresolved.

I never received any Truth in Lending Act ( TILA ) disclosures at the time of the alleged agreement, which makes this contract non-compliant and legally unenforceable.

No IRS 1099-C was issued for the charge-off amount of {$7500.00}. This violates IRS Pub 4681, and suggests that XXXX may be misreporting their losses for tax advantages, while still pursuing me for a debt they wrote off. 
Due to these numerous and serious violations, I am demanding the immediate deletion of this account from all three credit bureaus. If this is not resolved within 15 days, I will escalate this matter further with legal counsel, the FTC, and the Attorney General. 

I am documenting violations for legal remedy and FTC escalation.

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