vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX. 
HAS VIOLATED MY RIGHTS. 
XXXX XXXX 
HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS. 



15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACITY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING ADENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INTRUCTIONS.

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 2025-06-16 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
According to 15 USC 1681 section 602 of the fair credit reporting act. there is need to insure that reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's Rights to privacy. " XXXX XXXX XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each finance institutions has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. Any and all consent to XXXX XXXX whether it be verbal, non-verbal, written implied or otherwise is revoked. XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Not only that 15 USC 1681 ( c ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting containing any of the following information any other adverse item of information. Considering that these reporting agencies expose my information for their own gain. the inaccurate information contained on these reports need to removed. also 12 CFR 1016.7 states that " a consumer my exercise the right to opt at any time ''. as of his moment " I am opting out of your Reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Student Loan Entry Due to FERPA Violation and Breach of the Privacy Act of XXXX I am writing to formally dispute the reporting of a student loan account listed on my credit report, which I believe was unlawfully shared and reported in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. 



The account in question appears on my credit report as follows : Creditor Name : XXXX Account Number XXXX Reported Date : [ XX/XX/XXXX ] Under FERPA ( 20 U.S.C. 1232g ), my educational records, including financial aid and loan information obtained through an educational institution, are protected from disclosure without my explicit written consent. I have reason to believe that my private educational and financial records were shared with third-party credit reporting agencies without such consent, constituting a direct violation of FERPA and the Privacy Act of XXXX ( XXXX U.S.C. XXXX ). 



As such, I am requesting a full investigation into this matter and demand immediate removal of the above-referenced loan from my credit report. I also request written documentation verifying that proper consent was obtained prior to the disclosure of my information to credit bureaus. If such documentation can not be provided, the item must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 



Please consider this letter as a formal dispute under the FCRA ( 15 U.S.C. 1681i ), and provide a written response within 30 days of receipt of this notice. Failure to remove or correct the inaccurate and unlawfully reported information will leave me no choice but to pursue further action through the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and/or legal counsel. 



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 2025-06-16 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: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Student Loan Entry Due to FERPA Violation and Breach of the Privacy Act of XXXX I am writing to formally dispute the reporting of a student loan account listed on my credit report, which I believe was unlawfully shared and reported in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. 



The account in question appears on my credit report as follows : Creditor Name : XXXX Account Number XXXX Reported Date : [ XX/XX/XXXX ] Under FERPA ( 20 U.S.C. 1232g ), my educational records, including financial aid and loan information obtained through an educational institution, are protected from disclosure without my explicit written consent. I have reason to believe that my private educational and financial records were shared with third-party credit reporting agencies without such consent, constituting a direct violation of FERPA and the Privacy Act of XXXX ( XXXX U.S.C. XXXX ). 



As such, I am requesting a full investigation into this matter and demand immediate removal of the above-referenced loan from my credit report. I also request written documentation verifying that proper consent was obtained prior to the disclosure of my information to credit bureaus. If such documentation can not be provided, the item must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 



Please consider this letter as a formal dispute under the FCRA ( 15 U.S.C. 1681i ), and provide a written response within 30 days of receipt of this notice. Failure to remove or correct the inaccurate and unlawfully reported information will leave me no choice but to pursue further action through the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and/or legal counsel. 



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 non-monetary relief
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Student Loan Entry Due to FERPA Violation and Breach of the Privacy Act of XXXX I am writing to formally dispute the reporting of a student loan account listed on my credit report, which I believe was unlawfully shared and reported in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. 



The account in question appears on my credit report as follows : Creditor Name : XXXX Account Number XXXX Reported Date : [ XX/XX/XXXX ] Under FERPA ( 20 U.S.C. 1232g ), my educational records, including financial aid and loan information obtained through an educational institution, are protected from disclosure without my explicit written consent. I have reason to believe that my private educational and financial records were shared with third-party credit reporting agencies without such consent, constituting a direct violation of FERPA and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

As such, I am requesting a full investigation into this matter and demand immediate removal of the above-referenced loan from my credit report. I also request written documentation verifying that proper consent was obtained prior to the disclosure of my information to credit bureaus. If such documentation can not be provided, the item must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ).

Please consider this letter as a formal dispute under the FCRA ( 15 U.S.C. 1681i ), and provide a written response within 30 days of receipt of this notice. Failure to remove or correct the inaccurate and unlawfully reported information will leave me no choice but to pursue further action through the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and/or legal counsel. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-16 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: NY

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 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 2025-06-16 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: NY

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX : {$4900.00}

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 2025-06-16 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: MD

Complaint narrative:
On XX/XX/year>, I, decided to check what was listed on my credit reports. To my surprise, I was very shocked to see that Experian, has multiple names and addresses listed for me. I do not answer to, nor go by, any other names outside of my legal name. So as far as my understanding of 15 U.S. Code 1681s-2 " A person shall not furnish information relating to a consumer to any consumer reporting agency if - ''. " ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and " ( ii ) the information is inaccurate. '' I typed a letter to Experian after reaching out by telephone to tell them of the things that were not correct in my consumer report. I was directed to follow the chain of command and to send my dispute to their dispute department. So I did as I was instructed and formed a letter pointing out everything that I felt was inaccurate in my consumer report. This is including however not limited to false reporting information, as well as public records. This letter was sent by priority mail via XXXX on XX/XX/year> to the address that they provided for disputes to be sent. A week later I received a message from Experian telling me that there was a change in my credit report. So I did what anyone would have done and I logged in to check my report. And once again to my surprise I was shocked at what I saw. The names, and addresses were still there, however they had taken my 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
There is a frivolous contract or account on my credit report dated XX/XX/2023 in the amount of {$1100.00} alleging that I entered into an agreement with Jefferson Capital LLC. I never entered into an account or agreement with JEFFERSON SYSTEM LLC. I never authorized JEFFERSON CAPITAL SYSTEMS to open an account in my name. This account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-16 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I want to file a complaint against Transunion, over the past several months all my account balances have decreased significantly, including most credit cards, but my score never increases. I have a credit card balance that increases by XXXX XXXX and my score decreases by XXXX points almost every month. 
How do I file a complaint against them?

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 2025-06-16 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized charge of {$1100.00} on my account from XXXXXXXX XXXX XXXX XXXX, with a transaction date of XX/XX/year>. I did not authorize this charge, nor do I have any account or business with this company. 

This is now the third time Ive been a victim of identity theft, and Im deeply concerned about the ongoing compromise of my personal and financial information. Im in the process of filing a police report to document this as a case of fraud, and Ive reached out to my financial institution to dispute the transaction.

This unauthorized charge has severely impacted my ability to pay my bills and meet basic needs. I urgently request that this issue be investigated and that the funds be returned to my account as soon as possible.

Let me know if youd like a shorter version or if you want to attach this to an email or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these as accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Summary of Dispute : I am requesting a chargeback for a XXXX campaign pledge of {$170.00}, charged on XX/XX/year>. As of XX/XX/year>, the product has not been delivered, and multiple formal requests for a refund have been ignored by both the campaign creator and XXXX. 
Details Supporting My Dispute : XXXX. Undelivered Product : o The campaign launched in XX/XX/year>, and delivery was expected shortly thereafter. 
o Four months later, no product has been shipped, and no meaningful updates have been shared. 
XXXX. Refund Request Ignored : o On XX/XX/year>, I submitted a formal refund request to both XXXX and the campaign creator. 
o Neither party has responded. 
o A screenshot/photo of this request is attached for evidence. 
XXXX. Credible Concerns of Copyright Theft : o The campaign has been publicly accused by another product creator of design theft. 
o These allegations remain undisputed by the campaign owner, raising serious concerns about legitimacy and fulfillment capability. 
XXXX. XXXXXXXX XXXX Lack of Oversight : o Despite these concerns, XXXX has not canceled the campaign or initiated refunds, effectively allowing suspected fraudulent behavior to continue. 
XXXX. XXXXXXXX Role and Lack of Disclosure : o XXXX collects a 5 % commission on all funds raised. 
o This financial stake is not disclosed to credit card companies, making XXXX appear as a neutral platform rather than a profiting party. 
o In this case, XXXX profited while failing to enforce campaign accountability

Company response to consumer: Closed with explanation