vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

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

This breach has caused significant distress and concern regarding the security of my personal and financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Velocity Portfolio Group
State: AR

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I request for a validate letter. The original bill that I signed giving promise to give my information to a 3 party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I Complaint Regarding EQUIFAX AND EXPERIAN Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and Equifax regarding its failure to protect consumer data, resulting in the massive Equifax and Experian data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Experian and Equifax continues to mishandle consumer data and fails to provide unreasonable sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the Equifax and Experian breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/year> / XXXX XXXX XXXXXXXX * * * * * * * * * * opened XXXX XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX * * * opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX. Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices Equifax violated the Gramm Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach, Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C et seq. 1681b : Equifax and Experian failed to properly restrict access to consumer information. 1681e : Equifax and Experian failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Ac ( GLBA ), 15 U.S.C 15 U.S.C. 6801 ( b ), I am mentally drained please help removed these accounts from my report when I went to get approved for my mortgage was denied due to the inaccurate things being reported to my consumer 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
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Subject : CFPB Complaint : Inaccurate Charged Off Account Balances Complaint Details : I am filing this complaint because the credit bureau is reporting inaccurate balances on several charged off accounts that have been on my credit report for months. Despite my disputes, the credit bureau has not provided any substantiation under the Metro 2 reporting standards or the statutory requirements of the Fair Credit Reporting Act ( FCRA ). The following accounts reflect erroneous balances : XXXX ( Account ending in XXXX ) Reported Balance : {$8600.00} XXXX XXXX XXXX XXXX  ( Account beginning with XXXX ) Reported Balance : {$5000.00XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$15000.00} XXXX  XXXX ( Account ending in XXXX ) Reported Balance : {$4500.00} XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$5900.00} According to FCRA requirements ( e.g., 15 U.S.C. 1681e ( b ) ) and the Metro 2 reporting standardsa widely accepted industry format requiring maximum accuracythe reported data must be fully verified, uptodate, and reflective of true charged off amounts. The inaccurate balances on these accounts are harming my credit reputation and violate my rights. 

Desired Outcome : I request that the credit bureau immediately remove these inaccurate charged off account balances from my credit file and update my record accordingly. I further request the CFPB investigate the credit bureaus failure to ensure data accuracy per the FCRA and industry Metro 2 guidelines.

Thank you for your attention to this matter.

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 2025-04-22 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 letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section XXXXrequires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 non-monetary relief
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
TransUnion Credit Bureau RE : Dispute of Inaccurate/Derogatory Information Metro 2 Compliance Request To Whom It May Concern : I am formally disputing all inaccurate, outdated, and derogatory items currently listed under my credit profile. These entries are either unverifiable, outdated, or reported incorrectly in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

2 item ( s ) have been reported as derogatory on my credit file with TransUnion. I request that you : Conduct a thorough investigation of each disputed item.

Remove or correct the inaccurate/derogatory information if it can not be verified with proper documentation from the data furnisher.

Provide a detailed written response of your findings.

Per FCRA 611 ( 15 U.S.C. 1681i ), you are required to complete this investigation within 30 days. If verification can not be provided, these accounts must be deleted. 

Ive attached a copy of my ID and proof of address for verification. Please confirm removal in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
TransUnion Credit Bureau RE : Dispute of Inaccurate/Derogatory Information Metro 2 Compliance Request To Whom It May Concern : I am formally disputing all inaccurate, outdated, and derogatory items currently listed under my credit profile. These entries are either unverifiable, outdated, or reported incorrectly in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

2 item ( s ) have been reported as derogatory on my credit file with TransUnion. I request that you : Conduct a thorough investigation of each disputed item.

Remove or correct the inaccurate/derogatory information if it can not be verified with proper documentation from the data furnisher.

Provide a detailed written response of your findings.

Per FCRA 611 ( 15 U.S.C. 1681i ), you are required to complete this investigation within 30 days. If verification can not be provided, these accounts must be deleted. 

Ive attached a copy of my ID and proof of address for verification. Please confirm removal in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NY

Complaint narrative:
I would like to file a complaint regarding an inaccurate XXXX account that is currently being reported on my credit report. I no longer have an account with XXXX, and the information being reported is both outdated and inaccurate. 

Despite my efforts to resolve this issue directly with the credit bureaus and XXXX, the account continues to appear on my credit report. I am requesting that the CFPB investigate this matter promptly and ensure that the information is either corrected or removed entirely, as it does not reflect my current financial obligations. 

Additionally, I have noticed several other discrepancies on my credit report that do not appear on reports from other creditors. These inconsistencies are negatively affecting my credit standing and may constitute reporting errors or outdated information.

I am including copies of my credit reports, identification, and any relevant documentation to support my claim. I respectfully request a thorough investigation and a timely resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$2400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance {$1000.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$2700.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance {$620.00} XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-04-22 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$2400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance {$1000.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$2700.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance {$620.00} XXXX XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation