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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Dept. of EducationXXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Violation of FERPA and Data Breach of Student Loan Information Dear Sir/Madam , My personal and financial information was compromised. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

It has come to my attention that my student loan information was accessed by Elon Musk and associated agencies without my permission. This unauthorized disclosure of my educational records constitutes a serious breach of privacy under FERPA. I did not provide consent for my information to be accessed or shared, and the lack of adequate notification regarding this breach is alarming.

Moreover, the reporting of my delinquent payments as a result of this breach is a violation of both FERPA and 15 USC 1681s-2 ( b ). These laws are designed to protect consumers by ensuring that information reported to credit bureaus is accurate and that privacy is maintained. The actions taken against me in light of this breach are not only unjust but also illegal.

I am formally requesting the following actions : 1. Immediate cancellation and discharge of my student loan debt.

2. Removal of any negative reporting related to this matter from all credit reporting agencies.

3. A full investigation into the breach of my student loan information and the unauthorized access by Elon Musk and associated agencies.

4. Adequate notification and reporting regarding the steps taken to resolve this matter and to prevent future breaches of my personal information.

Please consider this letter a formal dispute regarding the accuracy and legality of the information being reported about my student loans. I expect a prompt response, as well as a thorough investigation into this serious matter.

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dept. of Education/XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Dispute Regarding Violation of FERPA and Data Breach of Student Loan Information Dear Sir/Madam , My personal and financial information was compromised. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

It has come to my attention that my student loan information was accessed by Elon Musk and associated agencies without my permission. This unauthorized disclosure of my educational records constitutes a serious breach of privacy under FERPA. I did not provide consent for my information to be accessed or shared, and the lack of adequate notification regarding this breach is alarming.

Moreover, the reporting of my delinquent payments as a result of this breach is a violation of both FERPA and 15 USC 1681s-2 ( b ). These laws are designed to protect consumers by ensuring that information reported to credit bureaus is accurate and that privacy is maintained. The actions taken against me in light of this breach are not only unjust but also illegal.

I am formally requesting the following actions : 1. Immediate cancellation and discharge of my student loan debt.

2. Removal of any negative reporting related to this matter from all credit reporting agencies.

3. A full investigation into the breach of my student loan information and the unauthorized access by Elon Musk and associated agencies.

4. Adequate notification and reporting regarding the steps taken to resolve this matter and to prevent future breaches of my personal information.

Please consider this letter a formal dispute regarding the accuracy and legality of the information being reported about my student loans. I expect a prompt response, as well as a thorough investigation into this serious matter.

Thank you for your attention to this urgent issue. 

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 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
T

o Whom It May Concern : I am writing to formally dispute multiple inaccuracies reported on my credit file, including incorrect addresses and erroneous late payment notations, which have caused significant harm to my creditworthiness and financial standing. Despite my efforts to correct these errors directly with the creditors and reporting agencies, the inaccuracies persist.

1. Incorrect Address Reporting My credit reports contain several incorrect or outdated addresses that do not belong to me. The incorrect addresses being reported are : XXXXXXXX XXXX  XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX These erroneous addresses violate the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report. Reporting incorrect addresses can lead to mistaken identity issues and inaccurate credit evaluations, which is detrimental to my consumer rights. 
I demand immediate investigation and correction of these inaccurate address listings on my credit report to reflect only the addresses that I have legitimately resided at or authorized.

2. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Date Opened : XX/XX/year> Issue : Inaccurate reporting of late payments This account incorrectly reports late payments that I dispute. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information and require a prompt investigation by the furnisher of information and the credit reporting agencies. 
Furthermore, inaccurate late payment reporting violates the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representation in debt collection. 
I demand the immediate verification of the accuracy of the reported late payments. If the furnisher can not validate the late payments, the derogatory marks must be removed from my credit report immediately. 
Summary of Requests : Immediate removal or correction of all inaccurate addresses listed above. 
Immediate investigation and removal of inaccurate late payment notations on the XXXXXXXX XXXX  account. 
Confirmation in writing that these corrections have been made. 
Compliance with the FCRA and FDCPA requirements to ensure my credit report reflects accurate and truthful information. 
Failure to comply with this complaint will leave me no choice but to pursue further action, including legal remedies under the FCRA and FDCPA, and reporting to state and federal regulatory agencies.

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 2025-06-03 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and potentially misleading information being reported on my credit report regarding an auto loan account ( Account Number : XXXX ). This account was opened on XX/XX/XXXX, and is currently listed as Closed and Charged Off.

Upon reviewing my credit report, I identified several reporting errors and inconsistencies that require immediate investigation and correction. According to the Fair Credit Reporting Act ( FCRA ), I respectfully request that these inaccuracies be removed or corrected on my credit file. Below are the specific issues : Inaccurate Reporting Details Duplicate Charge-Off Reporting Despite the account being charged off, derogatory notations such as CO ( Charge-Off ), ND ( No Data ), and past-due balances are still being reported for multiple months after the charge-off date. 

Once an account is charged off, it should not continue to accrue new negative notations monthly. This is inaccurate and damaging. 

Inconsistent Monthly Reporting XXXX : Months XXXX display ND and CO, even though the account was already closed and charged off. 

XXXX : Several months inconsistently alternate between CO and ND, reflecting a lack of reporting accuracy. 

XXXX : The record shows escalating delinquency statuses ( e.g., 60, 90, 120 days late ), followed by CO. Despite this, CO continues to be reported in later months. 

XXXX : The account indicates delinquencies after the charge-off, without resolution or a clear indication of final account status. 

Discrepancy in Charge-Off and Past-Due Amounts According to the credit report, the account is marked as " Charged Off, '' with {$10000.00} written off, yet it simultaneously shows {$12000.00} past due as of XX/XX/XXXX. 

This is a mathematical inconsistency and a potential regulatory violation, as the past-due balance should not exceed the amount written off unless legally permitted interest or fees continue to accrue after the charge-off. 

Combining a charge-off designation with a growing past-due balance is misleading and may represent continued punitive reporting on a closed account. This is harmful to my creditworthiness and appears to contradict both FCRA requirements and XXXX XXXX reporting standards. 

I request clarification and correction of this balance reporting. If this is due to continued interest or penalties, documentation supporting the creditor 's legal right to add those amounts post-charge-off must be provided.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-06-03 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter via mail to Credence Resource Management requesting validation of a debt they claim I owe to XXXX in the amount of {$1000.00}. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested that Credence provide documentation proving the validity of the debt and their legal authority to collect it within 30 days. 

Credence failed to respond within the required 30-day timeframe. Instead, on XX/XX/XXXX, over two months after my initial request, XXXX sent a response that included only an account summary and a monthly statement from XXXX . This documentation did not constitute proper validation or verification of the debt under the FDCPA, as it lacked itemization, contract details, or proof of their right to collect. 

Because XXXX did not provide sufficient validation within the required time, I disputed the debt with XXXX, the credit reporting agency. Following my dispute, XXXX  removed the collection account from my credit report, recognizing that the validation was inadequate. 

I am filing this complaint because XXXX failure to properly validate the debt and their continued reporting of this collection account have caused me harm, including inaccurate credit reporting. I request that XXXX be held accountable for complying with federal debt collection laws and that the collection account not be re-reported unless fully validated in compliance with legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-06-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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