vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Am ex cancelled my last credit card and they refuse to provide me the account number that they are reporting on and are masking it with an account identifier. Even with me giving him my new card information, they are refusing to provide the account which Am Ex is reporting to XXXX. The acct identifier is XXXX. I am am requesting a list of all my account numbers to be mailed to me to compare since the inception of my cards. Please have them provide which account they reported to Transunion on XX/XX/2025 report number XXXX. This should be a straight answer, but instead I was on the call with XXXX for XXXX minutes and unable to get them to verify which account they are reporting under the alius account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same 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 2025-04-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE ASKED 3 TIMES SINCE XXXX OF 2024 TO CORRECT THE INFO ASAP AND SEND ME THE UPDATED CREDIT REPORT. I GUESS ASAP TO THEM IS MONTHS. MY ADDRESS IS INCORRECT AND NAME IS NOT SHOWING AS WHAT IS ON MY METHOD OF IDENTIFICATION THEY REQUESTED, ALSO I ADDED THE ID HERE ON THE PORTAL WHEN I DID THE COMPLAINT AS WELL.

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 2025-04-23 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: DE

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I received an alarming autopay receipt paid successfully according the plan and on the contractual due date but stated it was a debt collection attempt. 

" Bridgecrest : Thank you! Your recent payment of {$510.00} has posted! Visit bridgecrest.com for full details. For help : HELP. Opt out : STOP. Collection Attempt. '' The explanation given was that the state of Colorado has the stricter law regarding XXXX and required that they put that in there messaging for oast due accounts. 

Apparently Bridgecrest chise to blanket everyone with this statement whether ir nit they are past due. This practice is clearly violating my rights because my account is in good standing with no indication in the text of a past due dollar amount Bridgecrest is collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XXXX 2025, I discovered that the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, had accessed my studentloan records without authorization. This access appeared to include : My loan balances and outstanding amounts My payment history and transaction dates Sensitive identifiers tied to my studentloan account I never granted DOGE permission to view or use this information. 

Actions Taken XXXX XXXX, 2025 : Noticed unusual activity on my loan servicers portal indicating a thirdparty audit. 

XX/XX/XXXXXXXX XXXX, 2025 : Contacted DOGEs support team via their online form to request an explanation of who accessed my data and why. 

No response XXXX XXXX, 2025 : Sent a followup letter to DOGEs dataprivacy office demanding a full dataaccess log and immediate deletion of any data accessed without my consent. 

I believe this constitutes an unauthorized disclosure under the Family Educational Rights and Privacy Act ( FERPA ) and may also violate the Privacy Act of 1974. Please investigate whether these federal privacy laws have been breached and ensure that any improperly accessed data is secured or destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MOHELA
State: OR

Complaint narrative:
In XX/XX/XXXXXXXX 2025, I discovered that the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, had accessed my studentloan records without authorization. This access appeared to include : My loan balances and outstanding amounts My payment history and transaction dates Sensitive identifiers tied to my studentloan account I never granted DOGE permission to view or use this information. 

Actions Taken XXXX XXXX, 2025 : Noticed unusual activity on my loan servicers portal indicating a thirdparty audit. 

XX/XX/XXXXXXXX XXXX, 2025 : Contacted DOGEs support team via their online form to request an explanation of who accessed my data and why. 

No response XXXX XXXX 2025 : Sent a followup letter to DOGEs dataprivacy office demanding a full dataaccess log and immediate deletion of any data accessed without my consent. 

I believe this constitutes an unauthorized disclosure under the Family Educational Rights and Privacy Act ( FERPA ) and may also violate the Privacy Act of 1974. Please investigate whether these federal privacy laws have been breached and ensure that any improperly accessed data is secured or destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Nelnet, Inc.
State: OR

Complaint narrative:
In XXXX 2025, I discovered that the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, had accessed my studentloan records without authorization. This access appeared to include : My loan balances and outstanding amounts My payment history and transaction dates Sensitive identifiers tied to my studentloan account I never granted DOGE permission to view or use this information. 

Actions Taken XXXX XXXX, 2025 : Noticed unusual activity on my loan servicers portal indicating a thirdparty audit.

XXXX XXXX 2025 : Contacted DOGEs support team via their online form to request an explanation of who accessed my data and why. 

No response XXXX XXXX, 2025 : Sent a followup letter to DOGEs dataprivacy office demanding a full dataaccess log and immediate deletion of any data accessed without my consent. 

I believe this constitutes an unauthorized disclosure under the Family Educational Rights and Privacy Act ( FERPA ) and may also violate the Privacy Act of 1974. Please investigate whether these federal privacy laws have been breached and ensure that any improperly accessed data is secured or destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-23 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: TX

Complaint narrative:
Subject : Formal Dispute of Unverified Debt Reporting Request for Immediate Deletion Due to FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally dispute an account currently reported on my credit file. This dispute concerns an alleged debt associated with [ XXXX XXXX XXXX XXXX XXXX which appears without sufficient verification and violates multiple provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate removal from my credit file based on the following grounds : 1. Failure to Provide Debt Validation Violation of 15 U.S.C. 1692g ( FDCPA ) As required under the FDCPA, specifically 15 U.S.C. 1692g, a consumer has the right to request verification and full validation of a debt. Despite previous attempts, no documentation has been provided that proves : I owe the alleged amount, That a contract or signed agreement exists, Or that the reporting entity has legal standing to collect or report this debt. 

The attached collection letter ( see enclosed ) does not meet the standard of validation. It lacks critical information such as original loan documentation, itemized payment history, and legal ownership of the debt.

2. Reporting of Inaccurate and Unverified Information Violation of 15 U.S.C. 1681e ( b ) ( FCRA ) According to the FCRA, consumer reporting agencies must ensure maximum possible accuracy of the data they report. The alleged account includes discrepancies and unverifiable claims. In absence of proper validation, continued reporting constitutes a breach of this statute. The burden of proof lies with the reporting agency to confirm the legitimacy and accuracy of the account before it may legally remain on my credit file.

3. Lack of Permissible Purpose Violation of 15 U.S.C. 1681b and 1681i ( a ) ( 5 ) ( A ) Without a validated and legally substantiated basis for the debt, this account does not meet the legal threshold for a permissible purpose under 15 U.S.C. 1681b. Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be promptly deleted from the consumers credit file.

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 2025-04-23 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: TX

Complaint narrative:
Subject : Formal Dispute of Unverified Debt Reporting Request for Immediate Deletion Due to FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally dispute an account currently reported on my credit file. This dispute concerns an alleged debt associated with [ XXXX XXXX XXXX XXXX XXXX which appears without sufficient verification and violates multiple provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate removal from my credit file based on the following grounds : 1. Failure to Provide Debt Validation Violation of 15 U.S.C. 1692g ( FDCPA ) As required under the FDCPA, specifically 15 U.S.C. 1692g, a consumer has the right to request verification and full validation of a debt. Despite previous attempts, no documentation has been provided that proves : I owe the alleged amount, That a contract or signed agreement exists, Or that the reporting entity has legal standing to collect or report this debt. 

The attached collection letter ( see enclosed ) does not meet the standard of validation. It lacks critical information such as original loan documentation, itemized payment history, and legal ownership of the debt.

2. Reporting of Inaccurate and Unverified Information Violation of 15 U.S.C. 1681e ( b ) ( FCRA ) According to the FCRA, consumer reporting agencies must ensure maximum possible accuracy of the data they report. The alleged account includes discrepancies and unverifiable claims. In absence of proper validation, continued reporting constitutes a breach of this statute. The burden of proof lies with the reporting agency to confirm the legitimacy and accuracy of the account before it may legally remain on my credit file.

3. Lack of Permissible Purpose Violation of 15 U.S.C. 1681b and 1681i ( a ) ( 5 ) ( A ) Without a validated and legally substantiated basis for the debt, this account does not meet the legal threshold for a permissible purpose under 15 U.S.C. 1681b. Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be promptly deleted from the consumers credit file.

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 2025-04-23 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 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: CA

Complaint narrative:
Its incredibly frustrating and disappointing to see my rights as a consumer continuously disregarded. My credit report contains inaccurate information that has damaged my financial standing and taken a toll on my mental well-being. Ive made multiple attempts to address this, but my concerns have either been ignored or not taken seriously.

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