vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and noticed there are Multiple accounts in my name that I did not authorize Someone stole my identity and was arrested for it

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: MD

Complaint narrative:
There were a breaching contract do to dealers fraud : one they did not disclose my right to resend to. They charge me a down payment for the vehicle three they made me pay out-of-pocket for insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-10 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 following inquiries on my report are fraudulent and unauthorized.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MO

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 2025-02-10 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: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the Department of Government Efficiency beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the Department of Government Efficiency ( DOGE ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the Department of Government Efficiency ( DOGE ). I have not been properly notified or officially communicated with by any members of DOGE in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of 1974. 

The following article titled " Inside DOGE 's takeover of the Education Department '', posted on XX/XX/XXXX and published by XXXX XXXX details the access that the DOGE team was granted regarding files within the Department of Education. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of DOGE who have been granted access within the Department of Education 's email system, and provides additional details regarding XXXX XXXX XXXX access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the Department of Education is being fed into artificial intelligence software by the DOGE commission. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the Department of Government Efficiency beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the Department of Government Efficiency ( DOGE ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the Department of Government Efficiency ( DOGE ). I have not been properly notified or officially communicated with by any members of DOGE in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of 1974. 

The following article titled " Inside DOGE 's takeover of the Education Department '', posted on XX/XX/XXXX and published by XXXX XXXX XXXX the access that the DOGE team was granted regarding files within the Department of Education. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of DOGE who have been granted access within the Department of Education 's email system, and provides additional details regarding XXXX XXXXXXXX XXXX access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the Department of Education is being fed into artificial intelligence software by the DOGE commission. 
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 2025-02-10 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: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the XXXX XXXX XXXX XXXX ( XXXX  ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the XXXX XXXX XXXX XXXX ( XXXX ). I have not been properly notified or officially communicated with by any members of XXXX in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of XXXX. 

The following article titled " Inside XXXX 's takeover of the XXXX XXXX  '', posted on XX/XX/XXXX and published by XXXX XXXX XXXX the access that the XXXX team was granted regarding files within the XXXX XXXX XXXX. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of XXXX who have been granted access within the XXXX XXXX XXXX XXXX email system, and provides additional details regarding XXXX XXXX 's access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the XXXX XXXX XXXX is being fed into artificial intelligence software by the XXXX commission. 
https : 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently checking my report I have no knowledge of the following inquiries please remove from my report

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently checking my report I have no knowledge of the following inquiries please remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 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: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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 2025-02-10 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: GA

Complaint narrative:
I am a victim of XXXX XXXX Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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 explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MN

Complaint narrative:
I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating this account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Under the collection of 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: MN

Complaint narrative:
My Total Visa credit card is lost/stolen and theres over {$300.00} in fraudulent transactions and charges. I have never used my Total Visa credit card. My Total Visa credit card account number is : XXXX. The Fair Credit Billing Act ( FCBA ) under federal law limits my liability for fraudulent credit card charges to {$50.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally notify you that my personal information was compromised as a result of a data breach. This breach exposed sensitive data, including my [ specify compromised information, e.g., Social Security Number, account information, etc. ], increasing my risk of identity theft and fraud. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable data protection laws, I am requesting that you delete any information related to the compromised data from my credit file. This includes, but is not limited to, any accounts, inquiries, or other records that may have been affected or fraudulently created due to this breach. 

Please confirm in writing once the deletion has been completed or if additional information is required. I appreciate your prompt attention to this matter, as it is critical to maintaining the integrity of my credit report and protecting my identity. 



Thank you for your assistance.

Company response to consumer: Closed with explanation