vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I was checking my credit score and saw I had a collections of {$5600.00} from XXXX XXXXXXXX XXXX  This collection was sent to PROCOLLECT INC. I have never heard of XXXX or rented an apartment from them. According to the lease it has no personal information accept my name. The address is incorrect of the lease. I am claiming fraud.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-17 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: CA

Complaint narrative:
I have filed multiple disputes with Experian regarding two inaccurate collection accounts on my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Each time, Experian responded with XXXX generic result stating the accounts were verified as accurate, without providing any concrete evidence of how they verified these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) 611, Experian is legally obligated to conduct a reasonable investigation and provide the method of verification, including the name and contact information of the party who verified the account. Experian has failed to do this, despite repeated disputes. 

These accounts are seriously damaging my credit, and Experians failure to produce any documentation or proper verification process violates federal law. I believe Experian is simply parroting information from debt collectors without any real investigation or supporting evidence. I have not received any signed agreements, account statements, or proof of ownership for either debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi, Im reaching out because the personal information listed on my credit report is incorrect, and its been causing me serious setbacksespecially with credit applications being denied over details that dont even belong to me. Its incredibly frustrating to be held back by inaccurate reporting that shouldve been fixed a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that you Equifax and Experian immediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This vehicle was repossessed by ( Santander Consumer USA ) in the XXXX XXXX XXXX on or about, XX/XX/XXXX and sold on XX/XX/XXXX. 
Under the laws of the XXXX XXXX XXXXL, State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the student loan account ( s ) listed under my name and Social Security number. I believe my rights under federal law, specifically the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), have been violated due to a breach of my personal information and improper disclosure of sensitive data related to my educational and financial records.

It has come to my attention that my private informationprotected by federal statutewas accessed, shared, or used without my consent or authorization in a manner that directly contributed to the origination and/or continued servicing of these student loans. This is a direct violation of the Privacy Act, which prohibits unauthorized disclosures of personal information held by government agencies, and mandates strict conditions for consent, access, and sharing.

Under 5 U.S.C. 552a ( e ) ( 10 ), federal agencies are required to establish appropriate administrative, technical, and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards. The breach of these protections renders any resulting obligations invalid and unenforceable. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), inaccurate or improperly obtained information may not be legally reported or used to determine a persons creditworthiness. As such, I am demanding the immediate deletion of all student loan accounts resulting from this privacy breach from my credit report and loan servicing records.

In accordance with 15 U.S.C. 1681i, I request a reinvestigation of these accounts. Please provide within 30 days : Verification of my consent and authorization to originate and service these loans. 

A detailed record of who accessed my personal information and under what authority. 

The security procedures used to protect my data and an explanation of how the breach occurred. 

If you are unable to provide this documentation within the legally required time frame, I respectfully demand the permanent removal of these student loans and cessation of all collection and reporting activities associated with them. 

Please be advised that failure to comply with these federal laws may result in legal action and complaints being filed with the Federal Trade Commission ( FTC ), Department of Education, and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a written response within 30 days of receipt of this letter. 

Sincerely,

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the student loan account ( s ) listed under my name and Social Security number. I believe my rights under federal law, specifically the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), have been violated due to a breach of my personal information and improper disclosure of sensitive data related to my educational and financial records.

It has come to my attention that my private informationprotected by federal statutewas accessed, shared, or used without my consent or authorization in a manner that directly contributed to the origination and/or continued servicing of these student loans. This is a direct violation of the Privacy Act, which prohibits unauthorized disclosures of personal information held by government agencies, and mandates strict conditions for consent, access, and sharing.

Under 5 U.S.C. 552a ( e ) ( 10 ), federal agencies are required to establish appropriate administrative, technical, and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards. The breach of these protections renders any resulting obligations invalid and unenforceable.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), inaccurate or improperly obtained information may not be legally reported or used to determine a persons creditworthiness. As such, I am demanding the immediate deletion of all student loan accounts resulting from this privacy breach from my credit report and loan servicing records.

In accordance with 15 U.S.C. 1681i, I request a reinvestigation of these accounts. Please provide within 30 days : Verification of my consent and authorization to originate and service these loans.

A detailed record of who accessed my personal information and under what authority.

The security procedures used to protect my data and an explanation of how the breach occurred.

If you are unable to provide this documentation within the legally required time frame, I respectfully demand the permanent removal of these student loans and cessation of all collection and reporting activities associated with them.

Please be advised that failure to comply with these federal laws may result in legal action and complaints being filed with the Federal Trade Commission ( FTC ), Department of Education, and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a written response within 30 days of receipt of this letter. 

Sincerely,

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the student loan account ( s ) listed under my name and Social Security number. I believe my rights under federal law, specifically the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), have been violated due to a breach of my personal information and improper disclosure of sensitive data related to my educational and financial records.

It has come to my attention that my private informationprotected by federal statutewas accessed, shared, or used without my consent or authorization in a manner that directly contributed to the origination and/or continued servicing of these student loans. This is a direct violation of the Privacy Act, which prohibits unauthorized disclosures of personal information held by government agencies, and mandates strict conditions for consent, access, and sharing.

Under 5 U.S.C. 552a ( e ) ( 10 ), federal agencies are required to establish appropriate administrative, technical, and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards. The breach of these protections renders any resulting obligations invalid and unenforceable. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), inaccurate or improperly obtained information may not be legally reported or used to determine a persons creditworthiness. As such, I am demanding the immediate deletion of all student loan accounts resulting from this privacy breach from my credit report and loan servicing records.

In accordance with 15 U.S.C. 1681i, I request a reinvestigation of these accounts. Please provide within 30 days : Verification of my consent and authorization to originate and service these loans.

A detailed record of who accessed my personal information and under what authority. 

The security procedures used to protect my data and an explanation of how the breach occurred. 

If you are unable to provide this documentation within the legally required time frame, I respectfully demand the permanent removal of these student loans and cessation of all collection and reporting activities associated with them. 

Please be advised that failure to comply with these federal laws may result in legal action and complaints being filed with the Federal Trade Commission ( FTC ), Department of Education, and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a written response within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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