vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, california XXXX Last four of XXXX : XXXX Inaccuracy in Collection Reporting and FCRA Violation Issue Description : On XX/XX/year>, I submitted formal disputes to Equifax, Experian, and TransUnion regarding two collection accounts that were inaccurately reported on my credit history : XXXX # XXXX XXXX # XXXX Status : Reported as Collection / Charge-Off These accounts contain discrepancies in the opening dates and other details among the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), requiring maximum accuracy in credit reporting.

Additionally, I never authorized these accounts to be reported, which violates my privacy rights under 15 U.S.C. 1681b.

Specific FCRA Violations : 1. 15 U.S.C. 1681e ( b ) Failure to ensure accuracy in credit reports. 2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Lack o
f a reasonable investigation, as the inaccurate information remains.

3. 15 U.S.C. 1681b Unauthorized reporting of these accounts on my credit history.

4. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted immediately.

Despite my previous dispute, the credit bureaus have not removed or corrected these accounts, negatively impacting my credit score and financial opportunities.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had this credit card for a while. The interest right now and fees are so high that I am unable to pay it off because they hiked it up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Access to My Private Data Dear [ Recipients Name or Department ], I am writing to formally express my concern regarding the unauthorized access of my private data held by the Department of Education. Specifically, I have reason to believe that XXXX XXXX, or an entity associated with him, has accessed my personal records without my consent or legal authorization. 
As a citizen and data subject, I expect my personal and educational records to be handled in accordance with applicable privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ). Unauthorized access to such data is a serious violation of my rights and federal regulations. 
I request an immediate investigation into this matter, including a review of any access logs related to my records. Additionally, I demand to be provided with a full report of any unauthorized disclosures, the parties involved, and the measures being taken to prevent further violations. 
Please treat this matter with urgency, as the unauthorized use of my private data could have significant consequences. I expect a response within [ reasonable timeframe, e.g., 14 days ] outlining the steps being taken to address my concerns. 
If necessary, I am prepared to escalate this matter to the appropriate legal and regulatory authorities. Please confirm receipt of this letter and provide me with a direct point of contact for further inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am writing to formally address a serious breach of my privacy and financial security by the Department of Government Efficiency ( DOGE ) and XXXX XXXX ( private citizen ). This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My federal student loan information.

3. Unauthorized access to my IRS tax data.

These actions violate my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. **Immediate discharge and cancellation of all my federal student loans** due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. **A formal investigation** into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. **A full report** on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. **Immediate notification** to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXXXX. XXXX, XXXX {$22.00} Validation letter XXXX XXXXXX/XX/XXXX Reported : XXXX. XXXX, XXXX {$310.00} Validation letter XX/XX/XXXX Reported : XXXX XXXX, XXXX {$710.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$540.00} Validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
My previous car was refinanced by XXXX XXXX XXXX and decided to trade-in vehicle on XX/XX/XXXX, after the deal was all set with my new vehicle that I bought with XXXX I decided to to cancel GAP insurance on that previous vehicle with XXXX XXXXy I made calls and they transferred me to a third party company that provided that GAP insurance and they were unable to cancel or refund that GAP amount {$690.00} that was left on that contract, they stated that after XXXX days I qualify for a refund, this third party company name is THE SAVINGS GROUP , this cancellation request was made on XX/XX/XXXX so this is clearly way less than XXXX business days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I filed an identity theft complaint regarding fraudulent XXXX entries appearing on my Early Warning Services ( EWS ) consumer report. On XX/XX/year>, EWS confirmed in writing to the CFPB that the disputed XXXX entries were inaccurate and deleted them from my report. However, on XX/XX/year>, EWS reversed their position without adequate justification, reinserting the same XXXX entries into my consumer file without providing required documentation or proper independent verification. Additionally, EWS representatives provided inconsistent and misleading information regarding timelines and procedures, causing confusion and further harm. I request that EWS permanently remove these entries and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-14 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: AZ

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding identity theft and inaccurate reporting on my credit file. While reviewing my credit report, I discovered multiple instances of fraudulent activity, including : Addresses listed on my credit report that I have never lived at, including some in states I have never visited. 
Names that I have never been known by appearing on my report. 
Unauthorized accounts opened in my name that I did not initiate. 
Multiple credit inquiries that I did not authorize. 
I have lived in Texas my entire life and have no connection to these fraudulent addresses, names, or accounts. This identity theft has resulted in significant damage to my credit, and I am requesting an immediate investigation and resolution under the Fair Credit Reporting Act ( FCRA ). 
Laws Violated : FCRA 15 U.S.C. 1681c-2 Victims of identity theft have the right to block fraudulent information from appearing on their credit reports.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 6 ) Furnishers of information must not report fraudulent data after being notified of an identity theft claim.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use of my personal information constitutes identity theft under federal law. 

Requested Actions : Immediately remove all fraudulent addresses, names, and accounts from my credit report. 
Delete all unauthorized inquiries made without my consent. 
Ensure that my credit report reflects only accurate, verified information belonging to me. 
Hold furnishers accountable for failing to prevent identity theft-related harm. 

I have already filed an identity theft report, which I am attaching as evidence, Please conduct an immediate investigation and provide written confirmation once these fraudulent items have been removed.

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 2025-03-14 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: TX

Complaint narrative:
I am filing a formal complaint regarding identity theft and inaccurate reporting on my credit file. While reviewing my credit report, I discovered multiple instances of fraudulent activity, including : Addresses listed on my credit report that I have never lived at, including some in states I have never visited. 
Names that I have never been known by appearing on my report. 
Unauthorized accounts opened in my name that I did not initiate. 
Multiple credit inquiries that I did not authorize. 
I have lived in Texas my entire life and have no connection to these fraudulent addresses, names, or accounts. This identity theft has resulted in significant damage to my credit, and I am requesting an immediate investigation and resolution under the Fair Credit Reporting Act ( FCRA ). 
Laws Violated : FCRA 15 U.S.C. 1681c-2 Victims of identity theft have the right to block fraudulent information from appearing on their credit reports.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 6 ) Furnishers of information must not report fraudulent data after being notified of an identity theft claim.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use of my personal information constitutes identity theft under federal law. 

Requested Actions : Immediately remove all fraudulent addresses, names, and accounts from my credit report. 
Delete all unauthorized inquiries made without my consent. 
Ensure that my credit report reflects only accurate, verified information belonging to me. 
Hold furnishers accountable for failing to prevent identity theft-related harm. 

I have already filed an identity theft report, which I am attaching as evidence, Please conduct an immediate investigation and provide written confirmation once these fraudulent items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am filing a formal complaint regarding identity theft and inaccurate reporting on my credit file. While reviewing my credit report, I discovered multiple instances of fraudulent activity, including : Addresses listed on my credit report that I have never lived at, including some in states I have never visited. 
Names that I have never been known by appearing on my report. 
Unauthorized accounts opened in my name that I did not initiate. 
Multiple credit inquiries that I did not authorize. 
I have lived in Texas my entire life and have no connection to these fraudulent addresses, names, or accounts. This identity theft has resulted in significant damage to my credit, and I am requesting an immediate investigation and resolution under the Fair Credit Reporting Act ( FCRA ). 
Laws Violated : FCRA 15 U.S.C. 1681c-2 Victims of identity theft have the right to block fraudulent information from appearing on their credit reports.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 6 ) Furnishers of information must not report fraudulent data after being notified of an identity theft claim.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use of my personal information constitutes identity theft under federal law. 

Requested Actions : Immediately remove all fraudulent addresses, names, and accounts from my credit report. 
Delete all unauthorized inquiries made without my consent. 
Ensure that my credit report reflects only accurate, verified information belonging to me. 
Hold furnishers accountable for failing to prevent identity theft-related harm. 

I have already filed an identity theft report, which I am attaching as evidence, Please conduct an immediate investigation and provide written confirmation once these fraudulent items have been removed.

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 2025-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-14 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 
I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 
If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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