vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account below, as Experians inaction violates federal law and my rights as a consumer Account name : XXXX XXXX XXXX XXXX Account number : 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 2025-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
Every time I make a payment they state it was returned by my bank but I dont see anything regarding return payment on my account and there has been enough money in the account. Ive noticed there has been several people on XXXX that is going through this same issue. They are charging us return check fee late fee and additional interest. Ive never had this problem with them before into the last few months. Someone really needs to investigate them. Its so frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I submitted a dispute with XXXX  XXXX XXXX XX/XX/year>. They are still supplying CRAs with inaccurate information on my credit report that is a violation 15 U.S.C 1681s-2 ( 1 ) ( a ). They have the wrong date of delinquency which is a violation of 1681s-2 ( 5 ) ( A ) see case United States V XXXX XXXX  XXXX, XXXX, F.T.C File No XXXX. 

15 U.S. Code 1681e ( b ) - Compliance procedures of accuracy and procedures 15 U.S. Code 1681i ( 5 ) ( ii ) states this information must be promptly deleted. 


15 U.S. Code 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages. 

I want my case to be completed by 30 days as the CRAs are allotted by law. 

Transunion & Experian have different dates and inaccuracys of payment history, date of delinquency, date of last activity, and last reported date. 

Account on my credit report is Transunion # XXXX and account number Experian & XXXX I am submitted a picture of my credit report and inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NV

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax, Experian, and TransUnion for numerous violations of federal and state credit reporting and debt collection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts and Information : XXXX XXXX ( XXXX XXXX XXXX  ), Account # : XXXX Status : Fraudulent, inaccurate, unverified, and illegally reported collection/charge-off account. 

Disputed Inquiries ( Unauthorized and Fraudulent ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect and Unverified Employers : DXXXX XXXX XXXX XXXX XXXX XXXX Addresses and personal identifiers incorrectly and fraudulently listed. 

Violations of Law Committed by the Credit Bureaus : Failure to provide verification upon request ( FCRA 1681i ( a ) ). 

Failure to conduct a reasonable investigation ( FCRA 1681i ( a ) ( 1 ) ). 

Failure to mark disputed accounts accurately ( FCRA 1681i ( a ) ( 6 ) ( B ) ). 

Reporting inaccurate, incomplete, and fraudulent information ( FCRA 1681e ( b ) ). 

Failure to notify of debt validation rights ( FDCPA 1692g ). 

Failure to ensure accuracy and integrity of consumer information ( FCRA 607 ( b ) ). 

Failure to protect personal and sensitive information under XXXX state law ( NRS Chapter 603A ). 

Ignored identity theft protections mandated by Nevada law ( NRS 205.463 ). 

Neglecting required assistance and resources for identity theft victims ( NRS 205.465 ). 

Requested CFPB Actions : I formally and respectfully request that the CFPB compel Equifax, Experian, and TransUnion to : Immediately remove and permanently block all disputed fraudulent accounts, inquiries, names, and addresses listed above from my credit reports. 

Ensure full compliance with all cited federal and state laws. 

Provide written confirmation detailing actions taken to rectify the violations and inaccuracies within 30 days. 

Consequences of Noncompliance : Should the respondents fail to adhere to the stipulated laws and corrective measures, I reserve my right to seek all available legal remedies, including civil litigation for damages under FCRA 1681n and 1681o and FDCPA 1692k. 

I further request the CFPB to oversee and enforce the compliance of the credit bureaus in accordance with the statutory obligations outlined above. 

Thank you for your urgent attention and rigorous enforcement of consumer protection laws. 

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 non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV FUNDING LLC regarding their collection and reporting of a debt associated with XXXX XXXX XXXX ( account beginning with XXXX ). This account is currently reported on my XXXX credit file. Despite my previous requests for debt validationincluding Proof of Assignment or Ownership, Original Contract, Itemized Statements, and Verification of the Legal Right to CollectLVNV FUNDING LLC has failed to provide sufficient evidence to substantiate this debt. 

Additionally, I have concerns that LVNV FUNDING LLC has violated my rights under the Gramm-Leach-Bliley Act ( GLBA ). As a financial institution, they are required to protect my nonpublic personal information ( NPI ) under 15 USC 6801 and are restricted from improperly sharing or handling this information under 15 USC 6802. Their continued reporting of this debt without proper validation raises significant concerns regarding data integrity and privacy. 

The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. 2011 ), decision underscores the need for collectors to produce clear and verifiable documentation, including proof of assignment and chain of title, to demonstrate their legal standing to collect on debts. To date, LVNV FUNDING LLC has not fulfilled these requirements. 
I request that the CFPB take the following actions : 1. Ensure LVNV FUNDING LLC provides proper validation of this debt, including all requested documentation. 
2. Investigate whether LVNV FUNDING LLC is in compliance with the privacy and safeguard requirements under the GLBA. 
3. Compel LVNV FUNDING LLC to cease reporting this debt to XXXX until the matter is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I logged in to pay my Care Credit ( XXXX ) credit card. My balance was XXXX and some how a XXXX interest balance was tacked on. I spoke with a representative who stated that my XXXX interest promotion was over and there is now a charge of XXXX dollars. I explained this doesnt make sense, how am I going to be charged XXXX on a XXXX dollar balance. He said the interest was for the entire balance of XXXX from XXXX of XXXX. I started this is ridiculous, I not paying interest on a balance that I dont owe. He said the promotion interest ended on XX/XX/XXXX. If I pay the XXXX balance then he could wave the XXXX interest fee. 
I ended up paying the balance, and e said it would take XXXX to XXXX XXXX  for my account to clear. I did pay the balance and will be closing this card.

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 monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Account Name : XXXX XXXX AUTO Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/year> This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 

15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 

15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 

15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 

15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately. 

I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps Experian is implementing to safeguard my personal information from further misuse. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( Last XXXX Digits ) : XXXX of Birth : 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 2025-03-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


XXXX Account # XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX XX/XX/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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
Checkers is currently reporting information that can not be verified, such as theft and because of information cant be verified. It should not be reporting on the background port. I attempted to call checkers to have this rectified however, they are refusing to remove the information that they can not verify of which is a violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the credit union 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the credit union 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the XXXX XXXX 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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