vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am filing this complaint due to a serious breach of my personal and financial information by XXXX ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.

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 2025-03-06 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: CA

Complaint narrative:
I am filing this complaint due to a serious breach of my personal and financial information by XXXX  ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from XXXX, Equifax, XXXX, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with XXXX, Equifax, XXXX, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

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, CHALLENGED OR NOT.

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 2025-03-06 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: NJ

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX XXXX  open date XX/XX/year> current balance 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 non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-03-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal limited my account and {$370.00} were held as a result. 
PayPal email : XXXX Phone number : XXXX PayPal had promised that I will get my funds back after XXXX days. 

Now I'm in immense distress after learning that the {$370.00} on my PayPal has been taken by PayPal for reasons I don't know because I had initially deposited the amount from my XXXX so I could pay for something, however I couldn't achieve that because the account was then limited and that put a big hold to my life. 

Currently I'm in debts and without a job. I know this may not matter to you, but if I cant get help and get some money back, given my current situation, I see no other way out and only intend to end my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

PLEASE HELP ME REMOVE THIS ACCOUNTS IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX  - {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8900.00}

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 2025-03-06 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: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 

unlawful and fraudulent accounts your company has reported without my consent or legal authority, in violation of my consumer rights under multiple federal laws.

You are unlawfully reporting the following false and fraudulent account : XXXX XXXX XXXX Account XXXX XXXX XXXX ( Unlawfully reporting on my consumer report. ) Furthermore, I am demanding that you IMMEDIATELY DELETE ALL OF MY PERSONAL INFORMATION that you are unlawfully furnishing and disseminating without my authorization or consent to the following entities : XXXX XXXX XXXX XXXX XXXX XXXX ( Advanced Resolution Services ) 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. 
Your actions are in direct violation of the following federal laws : 15 USC 1681b Permissible Purpose : No authorization or legal purpose exists for furnishing my consumer information.

15 USC 1681c-2 Block of Information Resulting from Identity Theft.

15 USC 1681e ( b ) Maximum Possible Accuracy : You are required to ensure data accuracy, which you have failed to do.

15 USC 1692f Prohibiting Unfair Debt Collection Practices.

FCRA 611 ( a ) ( 2 ) ( B ) Failure to properly investigate disputed information.

FCRA 611 ( a ) ( 7 ) Failure to provide a description of the procedures used to determine the accuracy and completeness of disputed information.

Regulation F Requiring a full chain of ownership validation for any reported debts, including proper documentation from the original creditor and all subsequent debt buyers.

15 USC 1681b ( a ) ( 2 ) No person shall furnish or use a consumers information without written authorization from the consumer for such specific purpose. You have no written authorization from me to publish, furnish, or disseminate my personal information or to share it in any form with any third parties, which includes reporting to consumer reporting agencies.

Additionally, I reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly affirms the legal precedent holding debt collectors accountable for inaccurate, incomplete, and unverified information furnished to consumer reporting agencies.

Until you provide full and complete debt validation, which must include : A copy of the original contract bearing my wet signature.

A full and complete payment history with itemization of charges.

Legal documentation proving your ownership and right to collect on the alleged debt.

Full chain of title documentation from the original creditor to any subsequent debt buyers.

Proof that the alleged debt is within the statute of limitations.

You are hereby ordered to CEASE AND DESIST from all collection efforts, communications, and the unlawful dissemination of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

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, CHALLENGED OR NOT.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: French Financial, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am a victim of identity theft and I tried to explain to the company this several times. They didnt even have my correct contact information on file and wouldnt give me any information of the person who took out the loan under my name with no proof of identity. The account shows to have been opened XX/XX/year> under synchrony bank for {$14000.00}.

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 2025-03-06 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: TX

Complaint narrative:
I am a victim of identity theft and I tried to explain to the company this several times. They didnt even have my correct contact information on file and wouldnt give me any information of the person who took out the loan under my name with no proof of identity. The account shows to have been opened XX/XX/year> under synchrony bank for {$14000.00}.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because inaccurate information is being reported on my credit file, including an incorrect bankruptcy record and accounts that are currently in litigation. These errors have negatively impacted my financial standing and are a direct violation of the Fair Credit Reporting Act ( FCRA ).

Description of the Issue : On XX/XX/year>, I identified an incorrect bankruptcy record appearing on my credit report. 
The bankruptcy information is inaccurate, and under federal law, courts do not directly report bankruptcies to credit bureaus. 
Instead, third-party sources gather this data, leading to reporting errors and misinformation. 
This inaccurate bankruptcy has remained on my credit file for years and continues to cause financial harm. 
Additionally, several accounts currently under litigation are being reported incorrectly, despite the fact that legal disputes are still pending. 
Actions Taken : On XX/XX/year>, I submitted formal disputes to Experian, XXXX, XXXX, XXXX, and XXXX XXXX, requesting the removal of this inaccurate information. 
I cited FCRA 15 U.S.C. 1681b and 1681e ( b ), which require that all credit report data be accurate, verifiable, and fairly reported.

I demanded the immediate deletion of the bankruptcy record because it was not reported directly by the courts and instead originated from an unreliable third-party source.

I also requested the removal of all accounts currently in litigation, as reporting them while legal proceedings are ongoing is misleading and unfairly damages my credit profile.

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