vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent this letter to the these companies in regards to my information To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, 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 : XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXXXXXX XXXX, SC XXXX Account Number : * XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 

Subject : Cease and Desist Request for Deletion of Collection Account Dear LVNV Funding LLC / Resurgent Capital Services, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, referenced above, which currently appears on my credit reports. This request is made under the privacy protections of 15 U.S. Code 6802, and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified this account as inaccurate, unverifiable, and misleading. As such, I am formally disputing it and requesting immediate deletion. The reporting of a first delinquency date of XX/XX/XXXX on an account that was not opened until XX/XX/XXXX is a factual impossibility and a serious violation of federal reporting standards. 

Because of these discrepancies and your continued reporting of this account without providing any legally required verification, I am now demanding full debt validation in compliance with FDCPA 1692g, including but not limited to : A copy of the original signed agreement or contract under which this alleged debt originated. 

A full account statement showing the calculation and legitimacy of the balance, fees, and interest. 

The Date of Last Activity. 

Documentation clearly linking the alleged debt to my full Social Security number. 

Legal proof of ownership and assignment ( chain of title ) from the original creditor to LVNV Funding LLC. 

Any signed correspondence or documents authorizing you to collect on this debt. 

I am demanding the following : Cease all credit reporting of this account across all consumer reporting agencies immediately. 

Provide written confirmation within 15 days of receipt of this letter that this account has been deleted from all credit bureaus or supply the full, documented debt validation requested above. 

Failure to comply with this request will result in the immediate filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, as well as consultation with legal counsel regarding civil action for damages under FCRA 1681n and 1681o. 

Thank you for your immediate attention to this matter. I expect a prompt and lawful resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
I have recently got the latest copy of my credit report and noticed multiple infractions in accounts that are harming me for moving in life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
I have recently got the latest copy of my credit report and noticed multiple infractions in accounts that are harming me for moving in life.

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 2025-07-27 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: IL

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX XXXX delay in reporting an updated credit card balance to the credit bureaus, despite my full payment being posted to the account. 

On XX/XX/year>, I made a payment of {$1200.00} to my XXXX XXXX XXXX credit card account, which brought the balance to {$0.00}. This payment has fully posted to my account and cleared the entire balance. However, as of today, the updated {$0.00} balance is still not reflected on my credit reports. Despite my request, XXXX XXXX XXXX has not submitted an off-cycle update to the credit bureaus. 

The failure to update my account inaccurately inflates my credit utilization ratio, which can negatively impact my credit score and financial standing. I am therefore requesting the XXXX XXXX XXXX XXXX assistance in urging XXXX XXXX XXXX to promptly submit an off-cycle update to Equifax, XXXX, and XXXX, so that my credit report reflects the accurate and current balance of {$0.00}. 

Attached are : A copy of my payment confirmation A screenshot showing the updated {$0.00} balance on my account Please assist in ensuring fair and timely credit reporting. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
To : Experian | Equifax | TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  for each bureau Subject : Formal Dispute Multiple Accounts with Inaccurate or Fraudulent Reporting I am writing to dispute the accuracy of the twelve accounts listed below, all of which contain false, unverifiable, or conflicting information that violates federal law and industry standards.

Below is a summary table of each account with specific violations and requested actions : Creditor ( Account # ) Problems with Reporting Violation ( FCRA/FDCPA/Metro2 ) Case Law XXXX XXXX XXXX XXXX XXXX ( XXXX ) Inaccurate last payment, false first delinquency dates, improperly charged-off FCRA 1681i, 623 ; FDCPA 809 ; Metro2 inconsistent payment history/status Cushman v. Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two late payments reported incorrectly on closed account FCRA 1681e ( b ) ; FDCPA 1692e ; Metro2 rating error Dennis v. BEH1 LLC XXXXXXXX XXXX XXXX ( XXXX ) Collection reported, unverifiable balance, disputed previously FCRA 623 ; FDCPA 1692e ( 8 ) ; Metro2 furnishing issue Evory v. RJM COLLECTION MANAGEMENT ( XXXX ) Collection item not mine, unauthorized debt, fraud FCRA 605B ; FDCPA 809 ; Metro2 identity misuse Cushman v. Trans Union XXXX XXXX XXXXXXXX ( XXXX ) Ongoing late payments despite dispute, no validation provided FCRA 611 ; FDCPA 1692e ; Metro2 failure to correct Cushman v. Trans Union XXXX XXXX XXXX ( XXXX ) Inaccurate delinquency balance/reporting Same as above Dennis v. BEH1 LLC XXXX XXXX ( XXXX ) Fraudulent account I never opened, made no payments FCRA 1681c2 ; FDCPA 1692e ; Metro2 identity theft rules Cushman v. Trans Union XXXX XXXX XXXX XXXX ) Same as above unauthorized account tied to XXXX XXXX XXXX Same violations Cushman v. Trans Union DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Late payments reported during federal deferment/forbearance FCRA 623 ; Metro2 Field 17A misreporting ; FDCPA 809 Higher Ed. Act 1080a ; XXXX  XXXX XXXX XXXX ( XXXX ) False 30-day lates on active account, inconsistent history FCRA 623 ; FDCPA 809 ; Metro2 Field17 rating mixup Dennis v. BEH1 LLC XXXX XXXX XXXX XXXX ( XXXX ) Charge-off and collection status overlap numerous months, re-aging debt FCRA 1681e ; Metro2 re-aging violations ; FDCPA 1692e Evory v. RJM XXXX XXXX ( XXXX ) Multiple reported lates long after paidoff status, reaging issues FCRA 602, 1681e ( b ) ; Metro2 double reporting ; FDCPA 1692e Cushman v. Trans Union THE LAW IS THE LAW.... I WILL SEEK LITIGATION FOR DAMAGES

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 2025-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX Subject : Request for Deletion of Inaccurate Information Dear Credit Bureaus, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth.

Upon reviewing my credit report, I have identified the following errors : 1. Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information.

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections.

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX Subject : Request for Deletion of Inaccurate Information Dear Credit Bureaus, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth.

Upon reviewing my credit report, I have identified the following errors : 1. Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information.

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections.

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
please remove and block my information as it has been involved in the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX Subject : Request for Deletion of Inaccurate Information Dear Credit Bureaus, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth.

Upon reviewing my credit report, I have identified the following errors : 1. Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information.

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections.

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-27 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: FL

Complaint narrative:
XXXX XXXX is just ridiculous. XXXX HAVE NOT REPORTED MY LOAN ACTIVITY TO THE CREDIT BUREAUS IN OVER 8 MONTHS! Last time they reported was XX/XX/XXXX and today is XXXX XX/XX/XXXX... nearly 9 months. To make things even worse, my loan is PAID IN FULL, but the credit bureaus report that I still owe over {$4500.00}! I called XXXX TWICE to get the problem fixed. At XXXXXXXX XXXX request, I also sent them a letter with all the details they asked ( confirming what THEY KNOW, that my account has been paid in full ). It has been more than 30 days since sending the letter and NOTHING. This is totally unacceptable. I did my part of the deal, and XXXX is NOT doing theirs! It is directly impacting my credit and my chances of getting a new car, as the Credit Reports still show this as an open loan. It's been nearly NINE MONTHS without reporting to the Credit Bureaus. Totally ridiculous. XXXX has great cars, but their backoffice support team has much left to be desired.

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 2025-07-27 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a total of XXXX XXXX credit card accounts. I am an authorized user on 3 and 1 of my own. All 4 were reporting till the other day I was notified that 2 of the cards I am authorized on were deleted off my credit reports. I am very upset about this as it took my credit score down over XXXX points. I called XXXX and requested they report all 4 cards I was told they will check into it. I then contacted TransUnion and was told XXXX has to tell them to report them and return them back onto my credit reports. I dont know why they were removed but I want them to report again on all XXXX credit reporting agencies. It helps my debt to ratio score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MA

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 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 2025-07-28 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: MA

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 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious discrepancies and factual errors in the way these accounts are being reported violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. These accounts must be investigated and deleted immediately if you can not verify every detail with complete accuracy. FURTHER MORE I HAVE PREVIOUSLY ASKED FOR PROOF THIS ACCOUNT BELONGS TO ME. I HAVE REQUESTED FOR ORGIINAL DOCUMENTS WITH MY SIGNATURE AND I NEVER RECEIVED THAT

Company response to consumer: Closed with non-monetary relief