vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear EXPERIAN & XXXX I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable.

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings. 
2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report within 15 days of receiving this letter. 
XXXX. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust. 
4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred.

5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/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 non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
1. TransUnion refuses to verify my identity with accurate information 2. The refuse to issues me a free copy of my credit report 3. They refuse to fix my TransUnion credit portal 4 they refuse to tell me what my credit score is I am experiencing continued hardship because of TransUnion infringement on my right dictated by the FRC. I am homeless and unable to get a job because of employers running a credit score TransUnion has caused me so much pain and suffering.

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 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding my federal student loans, which were serviced by Navient. Navients practices may have violated consumer protection laws and regulations, and I am seeking assistance in obtaining relief under recent settlements. 

Relevant Background : XX/XX/XXXX State Attorneys General Settlement : Navient agreed to a {$1.00} XXXX settlement with XXXX state Attorneys General, addressing allegations of predatory lending practices and forgiving private loans held by Navient, many of which were in default. 

XX/XX/XXXX CFPB Settlement : Navient reached a settlement with the CFPB for {$120.00} XXXX to address unfair practices involving federal student loans that may be eligible for relief under the Consumer Financial Protection Act ( CFPA ), which prohibits unfair, deceptive, or abusive acts or practices. Navients alleged predatory practices, including issuing private loans to borrowers attending schools with low graduation rates and limited job prospects, mirror my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by EXPERIAN, XXXX, XXXX. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : EXPERIAN ( XXXX ) XXXX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased XXXX XXXX ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;

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 2025-01-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
DELETE-HANDLED BY THIRD PARTY, XXXX XXXX, SHOULD NOT BE ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
Hi my name is XXXX! Im new to credit world i got XXXX credit card and my score is above good score! Recently i got recommendation from XXXX XXXX app that says i got pre approved for XXXX XXXX XXXX XXXX XXXX  and i thought if app recommending me this then i should have no problems with getting approved and i applied then i got denied! I was shocked now i got hard inquiry report on my credit score without my mistake! Pls if u guys can remove that i would be so appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.

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 2025-01-07 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by XXXX, XXXX, TRANSUNION. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : XXXX ( XXXX ) XXXX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased XXXX XXXX ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;

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 2025-01-07 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: FL

Complaint narrative:
I am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by XXXX, EQUIFAX, XXXX. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : XXXX ( XXXX ) EQUIFAX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased credit score ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland Credit Management wont mail me an itemized receipt of the debt ( {$670.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt. I want this debt deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a victum of XXXX XXXX XXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 am a victum of XXXX XXXX XXXXXXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below

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 2025-01-07 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: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-07 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation