vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. ''

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 2025-02-10 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: WA

Complaint narrative:
Dept of Education. Improper use of personal information. Improper Reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: WA

Complaint narrative:
Dept of Education. Improper use of personal information. Improper Reporting

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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX/XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
I paid off my Alliant CU vehicle loan over XXXX years ago. Despite calling many times and speaking with supervisors/management, I still have not received the title to my vehicle. I have confirmed with Colorado Department of Motor Vehicles that they have obviously not received the requisite documentation from Alliant Credit Union. I have bought and sold numerous vehicles in Colorado and have never had to previously contact any financial institution whatsoever for this basic and fundamental function, let alone needing to call many times or needing to ever speak with a manager. 

I hereby request that Alliant CU sends the required info to Colorado DMV to get me my title for this long paid off vehicle. I request the date and time and person who received this required documentation, and I also request that a copy of this documentation be sent to me at my email of record on the account. 

That I had to make all of those phone calls and submit a complaint to the CFPB, and have still not received my title, is disgraceful, and potentially criminal felonies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and I have identified discrepancies that need to be corrected immediately. 
Details of Disputed Inquiries : XXXXXX/XX/XXXXXX/XX/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 2025-02-10 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: AmeriHome Mortgage Company, LLC
State: MS

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 
15USC 1681 section 602 states i have the right to privacy.

15USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I received a copy of my credit report recently, and observed the following credit inquiries do not belong to me due to fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report recently, and observed the following credit inquiries do not belong to me due to fraudulent activity

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 2025-02-10 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: NY

Complaint narrative:
these accounts were open without my knowledge or consent

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 2025-02-10 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: NJ

Complaint narrative:
Dear [ Federal Student Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections. 



My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00}XX/XX/XXXX XXXX - XX/XX/XXXX - {$870.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$120.00} INQUIRIES : XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/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 2025-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: US MORTGAGE CORPORATION
State: MO

Complaint narrative:
I have been in contact with US Mortgage since XX/XX/XXXX about my loan via text message as well as email. I have requested documents they refuse to respond as they have sold the load to XXXX XXXX XXXX who also fails to provide me information and referred me back to US Mortgage. I notice my interest rate disclosed is seemly high based on disclosed information as well as I wanted copies of my mortgage with all endorsements and transfers altered after I signed the document with a blank endorsement. XX/XX/XXXX XXXX XXXX said he would speak with the settlement agent about providing me with a copy of the check in my name that paid the seller which I did not receive. The APR is overstated by XXXX. The finance charge is understated by {$110000.00} and the total of payments is understated by XXXX. I request that the CFPB investigate [ Lenders Name ] for TILA violations and take appropriate enforcement actions, including : Full review of this lenders loan disclosure practices to determine whether systemic violations exist. 
Potential penalties for non-compliance with TILA and Regulation Z. 
Loan reformation or rescission to correct the incorrect APR and finance charge disclosures. 
Compensation for any overpaid amounts due to inaccurate disclosures. 
This misrepresentation has financial consequences and affects my ability to fairly evaluate the cost of my loan. I trust the CFPB will take appropriate action to enforce federal lending laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am writing to formally file a complaint under the family educational rights and privacy act ferpa regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the department of educations databases. 

On or around XX/XX/scrub> 2025, I became aware that individuals associated with, who were neither school officials nor authorized representatives databases that include my personal educational records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access and I believe this consistitutes a violation to my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am writing to formally file a complaint under the family educational rights and privacy act ferpa regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the department of educations databases. 

On or around XX/XX/scrub> 2025, I became aware that individuals associated with, who were neither school officials nor authorized representatives databases that include my personal educational records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access and I believe this consistitutes a violation to my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint under the family educational rights and privacy act ferpa regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the department of educations databases. 

On or around XX/XX/year>2025, I became aware that individuals associated with, who were neither school officials nor authorized representatives databases that include my personal educational records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access and I believe this consistitutes a violation to my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.

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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Experian credit report :XX/XX/XXXX XX/XX/XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XX/XX/XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX XX/XX/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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing normally expressing my concerns regarding sales handling of disputes, particularly in light of recent CFPD lawsuit, highlights significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial intuition in Zelle sale to investigate my adequately they informed me that recovery lost funds was impossible, and the tracking these transactions was unfeasible CFPBs finding indicates that Zelle has not only neglect to protect customers, but also allow repeated access to exploit the system, leaving user vulnerable to scan the lack of accountability and transparency is unacceptable and raises a serious concern about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on this account that I have provided a picture of inside this complaint in on date of XXXX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you in advance! Please see screenshot attached.

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 2025-02-10 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report XX/XX/year> and noticed some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681i 5 the are supposed to do this ( 5 ) treatment of accuracy of inaccurate or unverifiable information. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: KS

Complaint narrative:
I had applied for a position and a background check was done by HireRight. They falsely reported a XXXX XXXX XXXX XXXX causing me to lose the employment offer. I followed their procedure for disputes. In a letter dated XX/XX/XXXX, it was stated that they contacted the court and will not change the XXXX XXXX XXXX XXXX XXXX. This is patently false. Had I been able to, I could have provided documents from the court. I then tried to call HireRight to again address this and was denied any further action.

Company response to consumer: Closed with explanation