vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  [ XXXX ] XXXX Date : XXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Demand for Loan Verification, Breach of Privacy, and Discharge Request Account No : XXXX Dear XXXX XXXX This letter serves as a formal dispute and Qualified Request for Information under the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable federal laws. 
I dispute the legitimacy of your servicing or collection activity related to the above-referenced student loan. My student loan was transferred to your company without my knowledge, authorization, or consent. I never received a valid legal notice nor granted permission for this transfer from XXXX XXXX XXXX, XXXX, or any other prior servicer. I did not consent to XXXX servicing my loan or accessing my financial and educational records. 
Furthermore, it has come to my attention that my personal and financial information may have been accessed by third parties, including the Department of Government Efficiency and XXXX XXXX, without lawful authorization or court oversight. This unauthorized access constitutes a serious breach of privacy and a direct violation of FERPA, which protects the confidentiality of student records and requires written consent for third-party access. 
You have a fiduciary and legal obligation to safeguard my personal information and to ensure lawful handling of my account. Given the severity of this privacy breach and its potential consequences, I am formally demanding the following : Immediate cancellation and discharge of any and all student loan debt associated with Account No. XXXX ; A copy of the full account history, including all servicing and transfer records ; Documentation identifying who authorized the transfer and under what legal authority ; Confirmation of all individuals, departments, or third parties who have accessed or viewed my personal information ; Immediate cessation of all collection and reporting activity, including removal from all credit bureaus.

This notice shall serve as your formal opportunity to cure and respond. I expect a complete response within 30 calendar days from your receipt of this letter. Failure to respond, or any further unauthorized handling of my records, may result in legal action and formal complaints filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 
Sincerely, XXXX XXXX Account No : XXXX FTC Report File Number: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 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  [ XXXX ] XXXX Date : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Formal Demand for Loan Verification, Breach of Privacy, and Discharge Request Account No : XXXX Dear XXXX XXXX This letter serves as a formal dispute and Qualified Request for Information under the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable federal laws. 
I dispute the legitimacy of your servicing or collection activity related to the above-referenced student loan. My student loan was transferred to your company without my knowledge, authorization, or consent. I never received a valid legal notice nor granted permission for this transfer from XXXX XXXX XXXX, XXXX, or any other prior servicer. I did not consent to XXXX servicing my loan or accessing my financial and educational records. 
Furthermore, it has come to my attention that my personal and financial information may have been accessed by third parties, including the Department of Government Efficiency and XXXX XXXX, without lawful authorization or court oversight. This unauthorized access constitutes a serious breach of privacy and a direct violation of FERPA, which protects the confidentiality of student records and requires written consent for third-party access.

You have a fiduciary and legal obligation to safeguard my personal information and to ensure lawful handling of my account. Given the severity of this privacy breach and its potential consequences, I am formally demanding the following : Immediate cancellation and discharge of any and all student loan debt associated with Account No. XXXX ; A copy of the full account history, including all servicing and transfer records ; Documentation identifying who authorized the transfer and under what legal authority ; Confirmation of all individuals, departments, or third parties who have accessed or viewed my personal information ; Immediate cessation of all collection and reporting activity, including removal from all credit bureaus.

This notice shall serve as your formal opportunity to cure and respond. I expect a complete response within 30 calendar days from your receipt of this letter. Failure to respond, or any further unauthorized handling of my records, may result in legal action and formal complaints filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 
Sincerely, XXXX XXXX Account No : XXXX FTC Report File NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
XXXX XXXX XXXX and its banking partners closed business and money changed hands but was unable to retrieve the money. We're a household of XXXX that solely depends on my single income to support. A variety of instructions were passed off but without any real solution in simply pulling the money out of my account and transferring it back into my main account. I need to jump through hoops in requesting the money, entering how much, details that I shouldn't need to provide but the company had and has a responsibility to work to get me the consumer the money back. We enter into a contract that trusts them with our money and gives them business and in turn we receive interest and more importantly entrust them with the proper processing of our money when we either want to move it, add, retrieve, or what not with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 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 XXXXXX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX XXXX I mobile check deposited a check a XXXX XXXX the check posted XXXX XXXX XXXX  and funds where held because of my negative bank account. I called on the XXXX to get the fund released because an overdraft fee was taken out because of the negative balance but shouldnt have because the check was posted into the account to prevent an overdraft fee. My complaint is about the policy of the mobile deposit. It simple is a payroll check and isnt fraudulent so I dont understand how does my negative account have an effect with my check and the funds of the check. Now money is being taken out of the check before I can get it. Please can someone help me.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human XXXX this is my second attempt of notifying the bureau

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX XXXX somewhere between XXXX and XXXX i made a cash deposit of around {$2300.00} but prior to making the deposit no funds appeared in my account no receipt was printed or emailed to me i filed a claim with chase bank and their investigation resulted in them not awarding me the credit i requested and up to now my money has simply just vanished im suspecting either a situation of theft due to atm pushing the cash back out or some sort of fault within chases system

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-25 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I called the company and asked that they validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I submitted formal disputes via certified mail on XXXX XXXX XXXX Experian received their response on XXXX XXXX XXXX XXXX to Experian regarding multiple collection accounts that appeared on my credit report. The disputed accounts were reported by the following debt collectors : XXXX XXXX XXXX, LVNV Funding LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested proper validation of each account. Specifically, I asked Experian to provide : A complete purchase history and chain of title, A copy of the original signed contract or application, A detailed accounting breakdown of the debt amount, Proof that the debt remains legally enforceable under XXXX XXXX three-year statute of limitations, and Evidence that the collection agency is properly licensed to collect in my state. 

Despite these requests, Experian failed to provide any of the above documentation. Instead, I was told that the reporting furnisher is responsible for verifying the information and that Experian merely reports what is submitted. This response does not satisfy Experians independent obligation under 15 U.S. Code 1681i to conduct a reasonable investigation and delete unverifiable information within the statutory time frame.

The continued reporting of these accountswithout proper validationconstitutes a violation of federal law and is causing ongoing harm to my credit profile and financial opportunities. I am requesting regulatory intervention to ensure Experian complies with its duties under the FCRA.

Also, there were two accounts that were removed, but I got an email saying that theyre going to stay on my credit, after it was removed, but couldnt tell me why they sent that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: AL

Complaint narrative:
Oliphant debt collection has been reporting an account on my credit over 7 years. Not once have they proven that the debt is mine. Ive disputed and have asked for documentation pertaining specifically my signature. They have yet to provide it and the credit bureaus have yet to show how they have verified the debt and still report it to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX XXXX. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
The company advised I was on a plan to get my balance down beginning in XX/XX/year>. My plan consisted of 6 payments of {$59.00}. However for some reason in XXXX, I received an email that my regular payment for that month would be {$24.00}. And then the month thereafter in XXXX it was {$23.00}. The plan had cancelled out and I receive an email that I was caught up in payments. I called Propser in XXXX to ask them why my payments were low in my app and within the emails I received and they couldnt give me a straightforward answer, they just kept saying I shouldve actually been paying the {$59.00} not the lower amounts. I advised that I receive emails for the payment amount and it was set in my app. Previously the app would notify me that my payments were the higher amount ( {$59.00} ) so I trusted the amount displayed. I told them I will continue to pay what I can which is {$25.00} a month to help bring the amount down but they keep charging me high interest so my money is going to waste. I need the call harassment to stop as they call me every day, multiple times a day. Ive also told them to stop contacting me and they said they will continue to call me anyways.

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 2025-06-25 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:
15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TransUnion Consumer Solutions.

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