vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. 

Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 

I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : Provide a detailed account of the data that was compromised ; Disclose the date and method by which the breach occurred ; Explain the steps your organization is taking to remediate the situation ; Provide documentation of your compliance with data protection laws ; Correct any errors on my credit file caused by this breach ; Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. 

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. 

Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report maintained by TRANSUNION. These entries have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures.

This is the account in question : XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/year>

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
SANTANDER CONSUMER USA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft.

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-22 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: MD

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 explanation
Consumer complaint received 2025-04-22 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report maintained by EQUIFAX. These entries have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures.

The following are the accounts in question : XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I have contacted them multiple times ( equifax ), they keep saying we dont have anything on you, file a complaint online and send us the documents. Which I have sent multiple times ( such as- DL, Sin no., study and work permit, as i dont have XXXXXXXX XXXX so the customer agent asked to give these documents as these were issued by XXXX XXXX credit statement, phone bill ). I tried calling, online complaint they fail to provide me any resolution. All the documents requests were sent multiple times, I am just friends from their lack of response, if i ask to talk with the supervisor or escalate the situation, they just dont do it, either put me on hold for long and them cut the call, or say i will get call back which i never did. 
I am attaching all the equifax complaints no- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In many instance the customer care agent say - add a comment in complaint, that we cant locate your file, generate a new one, but nothing so far, and then on one call agent say I found your info mix match with some one- with file no.- XXXX and asked them in comment to resolve it or create new one. 

it has been months so far, and they are not doings anything to resolve it.

One time i accidentally buy XXXX credit report ( paid ) and get to see my report but when i tried again for free, account got blocked and they say cant find your info so send us documentation by mail no online form or anything. 

Tried talking with XXXX XXXX XXXX, they say everything on my file is reporting to credit unions and my information is up to date. 

if you need my documents, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX 2025. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
This debt of {$100.00} is not mines, I did not have service with this company.I dont have much more information then this.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet XXXX. XXXX XXXX XXXX, XXXX XXXX Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the XXXX Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Nelnet, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation