vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been added to my credit report without my authorization. As a victim of identity theft, I request the immediate removal of these fraudulent accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts on My Credit Report : Credit Card Opened by the Thief XXXX  Card Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Credit Card Opened by the Thief XXXX  Card Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Legal Basis for My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 As a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. 
Experian must remove fraudulent information within XXXX business days of receiving my dispute and supporting evidence. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i If disputed information is inaccurate, incomplete, or unverifiable, Experian must delete it.

The credit bureau can not reinsert fraudulent information unless the creditor provides proper certification, and I must be notified within XXXX business days if reinsertion occurs. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681m Identity theft victims have the right to place fraud alerts on their credit file to prevent further unauthorized use. 
XXXX. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 It is a federal crime to use another persons identity to commit fraud.

I have reported this crime to the Federal Trade Commission ( FTC ) under FTC Report Number XXXX and have taken legal steps to protect my identity. 

Requested Actions : XXXX. XXXXmmediate removal of the fraudulent accounts from my credit report. 
XXXX. Written confirmation from Experian stating that these fraudulent accounts have been removed permanently. 
XXXX. Placement of a fraud alert on my file to prevent further identity theft. 
XXXX. A free updated copy of my credit report reflecting these corrections.

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 2025-03-15 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-15 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.

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 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 2025-03-14 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: MO

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-15 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX **Equifax** XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Formal Dispute of Inaccurate Student Loan Accounts & Request for Removal** Dear [ XXXX/Equifax ], I am writing to formally dispute inaccurate and unauthorized student loan account information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I request the removal of XXXX closed and transferred student loan accounts associated with the **U.S. Department of Education** and XXXX that are inaccurately listed. 

# # # **Reasons for Dispute : ** 1. **Inaccurate Reporting** Some accounts are showing **blank account information** or incorrectly marked as transferred, causing confusion and potential negative impact on my credit profile.

2. **Unauthorized Access** I have reason to believe that my account has been accessed or altered without my authorization by unknown individuals. Under FCRA regulations, I request a full investigation into these unauthorized activities.

3. **Public Service Loan Forgiveness ( PSLF ) Eligibility** As a **public service worker**, I qualify for federal student loan forgiveness. Any inaccurate reporting of my student loan status could affect my eligibility, and I request that these accounts be updated to reflect their proper status or removed if necessary.

# # # **Request for Immediate Action : ** - Please conduct an investigation into these inaccuracies and unauthorized access claims.

- Remove or correct the disputed accounts in compliance with FCRA regulations.

- Provide a written response confirming the actions taken regarding my dispute.

For verification, I have attached copies of my **identification, recent credit report, and supporting documentation related to my student loans**. Please investigate this matter promptly and update my records accordingly.

Thank you for your immediate attention to this dispute. I expect a response within 30 days as required by the FCRA. You may contact me via email if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: AR

Complaint narrative:
**Experian** XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Formal Dispute of Inaccurate Student Loan Accounts & Request for Removal** Dear [ ExperianXXXX ], I am writing to formally dispute inaccurate and unauthorized student loan account information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I request the removal of XXXX closed and transferred student loan accounts associated with the **U.S. Department of Education** and XXXX that are inaccurately listed. 

# # # **Reasons for Dispute : ** 1. **Inaccurate Reporting** Some accounts are showing **blank account information** or incorrectly marked as transferred, causing confusion and potential negative impact on my credit profile.

2. **Unauthorized Access** I have reason to believe that my account has been accessed or altered without my authorization by unknown individuals. Under FCRA regulations, I request a full investigation into these unauthorized activities.

3. **Public Service Loan Forgiveness ( PSLF ) Eligibility** As a **public service worker**, I qualify for federal student loan forgiveness. Any inaccurate reporting of my student loan status could affect my eligibility, and I request that these accounts be updated to reflect their proper status or removed if necessary.

# # # **Request for Immediate Action : ** - Please conduct an investigation into these inaccuracies and unauthorized access claims.

- Remove or correct the disputed accounts in compliance with FCRA regulations.

- Provide a written response confirming the actions taken regarding my dispute.

For verification, I have attached copies of my **identification, recent credit report, and supporting documentation related to my student loans**. Please investigate this matter promptly and update my records accordingly.

Thank you for your immediate attention to this dispute. I expect a response within 30 days as required by the FCRA. You may contact me via email if further information is needed. 

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 2025-03-15 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX **TransUnion*XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Formal Dispute of Inaccurate Student Loan Accounts & Request for Removal** Dear [ XXXX/TransUnion/XXXX ], I am writing to formally dispute inaccurate and unauthorized student loan account information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I request the removal of XXXX closed and transferred student loan accounts associated with the **U.S. Department of Education** and XXXX that are inaccurately listed. 

# # # **Reasons for Dispute : ** 1. **Inaccurate Reporting** Some accounts are showing **blank account information** or incorrectly marked as transferred, causing confusion and potential negative impact on my credit profile.

2. **Unauthorized Access** I have reason to believe that my account has been accessed or altered without my authorization by unknown individuals. Under FCRA regulations, I request a full investigation into these unauthorized activities.

3. **Public Service Loan Forgiveness ( PSLF ) Eligibility** As a **public service worker**, I qualify for federal student loan forgiveness. Any inaccurate reporting of my student loan status could affect my eligibility, and I request that these accounts be updated to reflect their proper status or removed if necessary.

# # # **Request for Immediate Action : ** - Please conduct an investigation into these inaccuracies and unauthorized access claims.

- Remove or correct the disputed accounts in compliance with FCRA regulations.

- Provide a written response confirming the actions taken regarding my dispute.

For verification, I have attached copies of my **identification, recent credit report, and supporting documentation related to my student loans**. Please investigate this matter promptly and update my records accordingly.

Thank you for your immediate attention to this dispute. I expect a response within 30 days as required by the FCRA. You may contact me via email if further information is needed. 

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 2025-03-14 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: NV

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit in preparation to refinance my home and noticed some unauthorized inquiries on TransUnion 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
DOGE and it's non appointed staff have committed a FERPA violation by accessing my student loan information and personal details.

If MOHELA was complicit in this information sharing without my authorization, I would like a copy of the information provided to DOGE. Furthermore, I would this documented for future litigation purposes and remedied so that no further information is shared going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Breach of contract. Allowed DOGE and XXXX XXXX to access my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: PA

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and found errors that require immediate correction.

The following item ( s ) contain inaccurate information.

In accordance with 15 U.S.C. 1681i, I request that you investigate these inaccuracies and remove or correct them as required by law.

Please conduct your investigation within the legally required 30-day timeframe and provide me with a written response regarding the outcome. If you need additional information to complete the investigation, please notify me promptly.

Additionally, if the disputed information is verified as inaccurate, please provide me with an updated credit report reflecting the corrections. If the investigation does not resolve my dispute, I request that my statement of dispute be included in my file as required by 15 U.S.C. 1681i ( b ). 
Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: KY

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 XXXX XXXX XXXX XXXX ( XXXX  ). 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 XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. 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. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter requesting for my personal information to be updated in accordance to my accurate information details

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