vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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 writing to formally dispute the reporting of my student loan information on my credit report and demand its immediate removal based on multiple privacy law violations. 

Recent events have revealed that my private student loan information was improperly accessed by unauthorized parties through DOGE, including XXXX XXXX and associated personnel, without proper security clearance. This unauthorized access constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Gramm-Leach-Bliley Act ( 15 USC 6801 ), which mandates that financial institutions protect consumers ' nonpublic personal information.

Furthermore, I have never provided explicit consent for this information to be reported to credit bureaus. Under federal law, you are required to : Provide documentation showing how this information was legally verified before reporting Demonstrate the chain of custody for my private educational records Show proof of my consent for sharing this information Per 15 USC 6801, financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The recent federal court injunction regarding DOGE 's unauthorized access to Education Department databases further supports the illegality of these disclosures. 

I demand the immediate removal of all student loan information from my credit report within 30 days, as you can not verify this information was obtained through legal means. Failure to remove these items will result in further legal action. 

Please provide a written response detailing : The specific steps taken to verify the accuracy and legality of this information Documentation of authorization for credit reporting Confirmation of removal of these items Sincerely, 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 2025-05-08 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of my student loan information on my credit report and demand its immediate removal based on multiple privacy law violations. 

Recent events have revealed that my private student loan information was improperly accessed by unauthorized parties through DOGE, including XXXX XXXX and associated personnel, without proper security clearance. This unauthorized access constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Gramm-Leach-Bliley Act ( 15 USC 6801 ), which mandates that financial institutions protect consumers ' nonpublic personal information. 

Furthermore, I have never provided explicit consent for this information to be reported to credit bureaus. Under federal law, you are required to : Provide documentation showing how this information was legally verified before reporting Demonstrate the chain of custody for my private educational records Show proof of my consent for sharing this information Per 15 USC 6801, financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The recent federal court injunction regarding DOGE 's unauthorized access to Education Department databases further supports the illegality of these disclosures.

I demand the immediate removal of all student loan information from my credit report within 30 days, as you can not verify this information was obtained through legal means. Failure to remove these items will result in further legal action. 

Please provide a written response detailing : The specific steps taken to verify the accuracy and legality of this information Documentation of authorization for credit reporting Confirmation of removal of these items Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I was a victim of identity theft during which unauthorized accounts and charges were made in my name without my consent or knowledge. As a result, my credit report contains inaccuracies. please see attachment

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 2025-05-08 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-05-08 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be 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 non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I tried to withdraw funds from my Robinhood to my bank account and they restricted my account without explanation and now I dont have access to my account or the funds it is restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I reviewed my consumer Report and noticed that some of my personal information is incorrect such as my name that it's showing as : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. 
But my correct and legal name is : XXXX XXXX. 
Also on my credit report as my current address is showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But my correct and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint regarding a materially inaccurate delinquency reported on my credit file by Discover Bank in relation to a private student loan that was transferred to XXXX XXXX in XXXX. 

The reported XXXX and XXXX late payments for XXXX and XX/XX/year> are factually incorrect. I continued making timely payments during and after the transfer process, and my current loan servicer ( XXXX XXXX ) reflects an unbroken record of on-time payments. Account documentation explicitly shows a 00 Month ( s ) delinquency and a {$0.00} due balance with consistent ACH debits since the transfer.

Despite this, Discover Bank inaccurately furnished delinquency data to XXXX, which is now negatively impacting my credit score. I have attempted to resolve this through XXXX dispute process, but the inaccurate marks were not corrected. I also contacted Discover Bank directly by phone, and their representative acknowledged that the error may have been due to the servicing transition.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are required to report only accurate data. This obligation extends to transitional periods between servicers. The persistent reporting of delinquency where none occurred represents a clear violation of this statute.

Furthermore, 15 U.S.C. 1681i ( a ) requires that once a consumer disputes the completeness or accuracy of any item, the credit reporting agency and furnisher must conduct a reasonable investigation. In this case, no such proper investigation was evident especially given the fact that documentary proof of payment was supplied. 

I am attaching : Verified payment history from XXXX XXXX A delinquency report showing 00 Month ( s ) A credit report screenshot showing the disputed Discover late entries Call log proof of discussion with Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting the same inaccurate late payment for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) on XX/XX/year>, showing a {$0.00} balance and no past due amounts. This error continues to cause significant stress in my life, affecting my financial decisions and hindering my ability to qualify for financial products. I strongly suspect that this discrepancy, along with others, is the result of a data breach, which raises concerns about the security of my personal data. Under 15 USC XXXX and XXXX ( b ), the FCRA demands that accurate information be reported, and this misreporting of a late payment is a violation of that law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. CXXXXe XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
b'I am filing this complaint against TransUnion for failing to delete XXXX unverifiable collection accounts reported by XXXX XXXX XXXX on my credit report, despite multiple disputes spanning over XXXX years and the actions of other credit bureaus, violating the Fair Credit Reporting Act (FCRA).\n\nWhile these have been improperly verified multiple times, the most recent was on XXXX  I disputed the XXXX XXXX XXXX tradelines on my TransUnion report: one for a XXXX XXXX  Bank debt with a balance of XXXX, and another for a XXXX XXXX  debt with a balance of XXXX  TransUnion has repeatedly verified these tradelines as meets FCRA requirements over the past XXXX years, despite my disputes highlighting their inaccuracies. \n\nBoth XXXX XXXX and XXXX XXXX have confirmed they no longer have records to verify these debts, meaning XXXX XXXX  cannot substantiate them.\n\nXXXX has already deleted all XXXX tradelines from my report due to suspect reporting. XXXX agreed on XXXX to delete XXXX XXXX tradelines (one for a XXXX XXXX debt of XXXX, another for a XXXX XXXX debt oXXXX XXXX) with confirmation number XXXX XXXX XXXX  expected within XXXX  days. \n\nTransUnion, however, has not deleted the tradelines, making them the only credit bureau still reporting these unverifiable debts.\nAdditionally, XXXX filed a lawsuit against me on XXXX in XXXX Superior Court (Cause No. XXXX for the XXXX XXXX debt of XXXX, but their filing lacks validating documents like the original contract or account statements, failing to substantiate the debt. XXXX  also refused to respond to my CFPB complaint against them (Complaint XXXX) due to litigation, further showing their inability to verify these debts.\n\nTransUnions failure to delete these tradelines after my disputes violates FCRA Section XXXX(a)(XXXX for inadequate reinvestigation, causing ongoing harm to my credit. I request that TransUnion immediately delete all XXXX tradelines from my report and investigate their reinvestigation practices to prevent future violations.'

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to request a full account audit and supporting documentation for XXXX XXXX CARD accounts currently being reported to Experian, which are negatively affecting my credit profile. These accounts are reporting as charged off and reflect high balances, but lack transparency regarding their timelines and payment histories. I am auditing all three simultaneously and request answers to the following questions for each individual account. 

Please provide the following information and documentation for each XXXX  CARD tradeline listed below : Account XXXX XXXX Balance : {$13000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$13000.00} Account XXXX  XXXX Balance : {$29000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$29000.00} Account XXXX  XXXX Balance : {$5700.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$5700.00} I am not currently disputing the accounts ; this is a formal audit and information request under 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 explanation
Consumer complaint received 2025-05-08 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX1. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-08 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX1. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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