vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: SC

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 2025-03-13 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: SC

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 2025-03-13 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: Nelnet, Inc.
State: KY

Complaint narrative:
Subject : Request for Discharge of Federal Student Loans Due to Unauthorized Access and Breach of Personal Information I am formally requesting the discharge of my federal student loans due to the unauthorized access and breach of my personal information by the Department of Government Efficiency ( DOGE ) team in 2025. This unauthorized access is a direct violation of multiple federal laws designed to protect student borrowers ' personal and financial data. 

Violations Committed : 1. Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) - FERPA protects the privacy of student education records and prohibits the unauthorized disclosure of personally identifiable information ( PII ) without consent. The unauthorized access of my student loan records is a clear violation of this act.

2. Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) - This act prohibits intentional unauthorized access to protected government systems containing personal and financial information. The DOGE team 's access to my student loan data without consent constitutes a breach under this law.

3. Privacy Act of 1974 ( 5 U.S.C. 552a ) - This act restricts the disclosure of personal information held by federal agencies without the individual 's consent. My data was accessed without authorization, violating my rights under this law.

4. Personal Data Privacy and Security Act - This act mandates federal agencies and organizations handling personal information to implement strong privacy and security measures. The breach of my student loan records demonstrates a failure to comply with these requirements. 


Given these serious legal violations, I respectfully request the full discharge of my federal student loans. The unauthorized access to my personal records has not only compromised my privacy but also created potential financial and identity theft risks. As these actions directly breach federal laws protecting borrowers, my loan obligations should be nullified as a result. Until this issue has been resolved my loans have been placed in forbearance and my credit report should show this update and discharge as soon as possible. 

I appreciate your prompt attention to this matter and expect a favorable response to rectify this violation of my rights. Please confirm receipt of this letter and provide a timeline for resolution. 
Account is in forbearance and reflected negatively on my credit score, I am going through a XXXX  and a XXXX XXXXXXXX survivor and my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MO

Complaint narrative:
I have had the same credit score for XXXX months despite continuing to reduce my debt. It appears that my score has plateaued below XXXX, which is preventing me from obtaining low-interest credit cards and loans. I contacted the reporting agencies and have not received any response to my inquiries. It seems to me I am being kept below the XXXX mark, so I will continue to have to accept these high-interest products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXX  ( finance ), I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were 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 explanation
Consumer complaint received 2025-03-13 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 submitting and FTC report to Equifax and transunion via CFPB regarding an ongoing is with these 5 fraudulent accounts reflecting on my credit report in which they were never given the 4 day block to be removed pending investigation which has forced me to take further action to create a record of this issue! I believe that reinserting these items without officially notifying me by mail is a violation of FCRA 611 ( A ) ( 5 ) ( B ) Im trying to figure out did a old girlfriend use my credit is why I am asking for full docs on how these accounts were created being Im doing my own investigation but Im simply getting codes not signatures or accounts which were used to make payments on these fraudulent accounts Maybe a old girlfriend made these accounts used them paid them then when the relationship was over they went into default Just trying to move forward with more info and deletions. Thank 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 2025-03-13 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATTN : Equifax, TransUnion, Experian RE : Unauthorized inquiries To Whom It May Concern : I am writing to formally file a complaint regarding an unauthorized inquiry made by creditors listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not provide consent to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 

By accessing my consumer credit report on the date referenced above without a permissible purpose, the abovementioned creditors have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 








Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with the abovementioned creditors, nor do I have an account with abovementioned creditors as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry.

Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress.

Remedies Sought : 1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report immediately!

2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer. 
Request for Certification : Please provide a certified letter indicating the lawful purpose for the inquiry as required under FCRA Section 604 ( f ). 
Additional References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports.

Contact Information : Please direct any communications or payments regarding this matter to the following : Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
i requsted original dept information and never got anything. i have never heard of this compuny and do not owe them anymoney.

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 2025-03-13 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$4100.00} XXXX  XXXX Balance {$8300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX Balance $ 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 2025-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I just recently started working on my credit due to some fraudulent accounts opened in my name. I stumbled in an account from capital one that was send to collections to XXXX XXXX in the ammount of XXXX $ I called capital one because there were also other credit cards in my name and told them it was fraudulent. I never heard back from the fraud department but they closed the other accounts. When I disputed it with XXXX they kept it on my account. I was in a XXXX  XXXX relationship for a long time and he was stealing my identity I had no control over my finances. If you need extra information call me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, the Department of Education and Nelnet ( loan service provider ) granted access to records and information about individuals ( myself included ) to unauthorized parties in violation of FERPA, the Privacy Act of 1974, the Internal Revenue Code, and the Department of Education regulations. The disclosure was made to unauthorized third parties, XXXX XXXX ( a private citizen ) and individuals affiliated with the " Department of Government Efficiency '' ( DOGE ). DOGE has also fed personally identifiable information and sensitive internal financial data into artificial intelligence ( AI ) software. My personal and financial information was compromised without my authorization- including social security numbers ( SSN ), date of birth, drivers license number, citizenship, dependency status, marital status, student loan account information, income, bank account numbers, and tax return information. This is illegal and a clear violation of my privacy rights. The Family Educational Right and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach of information, it violates the student loan contract and renders it null and void. I demand Nelnet and the Department of Education immediately cancel and disable my student loan debt in full. 

I became aware of the disclosure through the news on XX/XX/XXXX. The Department of Education and Nelnet did not inform me or publicly announce this new policy what is known is based on media reporting or attempt to justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint against Synchrony Bank due to unfair and misleading deferred interest charges applied to my credit card account. 

I regularly made monthly payments on my account and intended to fully pay off the promotional balance. Unfortunately, due to unclear and insufficient communication from Synchrony regarding the expiration date and terms of the promotional balance, I was unaware that failing to pay the full amount by the promotional end date would result in substantial retroactive interest charges. Additionally, even though I had a 0 % interest rate and set my payments to the minimum amount, the minimum payment set by Synchrony was intentionally lower than what was required to fully cover the balance within the promotional period. This practice effectively sets customers up for financial sabotage.

As a result, Synchrony applied approximately {$1600.00} in retroactive interest charges, causing significant financial hardship. 

Despite multiple attempts to resolve the matter directly with Synchrony Bank, including discussions with representatives and managers, my requests for reconsideration and interest reduction have been denied. 

I seek assistance to facilitate a resolution. My desired outcome is the removal or substantial reduction of these retroactive interest charges due to inadequate notice and unfair business practices. 

Thank you

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 2025-03-13 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: MD

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 2025-03-13 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: WA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-03-13 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation