vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are unrecognizable accounts that I found listed on my credit report. The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.

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 2025-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: OLIPHANT FINANCIAL, LLC
State: AR

Complaint narrative:
This account just showed up my credit report. On my credit report its says it XXXX XXXX and XXXX XXXX XXXX. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXXXXXX 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unauthorized reporting related to the student loan account DPT EDXXXX, Account # XXXX. 
Fair Credit Reporting Act ( FCRA ) Violations Inaccurate Payment Status : The account is reported as Current with {$0.00} due and also stated to be in deferment ( payment not required ). According to the FCRA, furnishers must report accurate and complete information. Reporting a Current status when no payment is due ( due to deferment ) is misleading and inflates the appearance of open credit usage without reflecting actual repayment activity. 
Payment History Reporting During Deferment : There are OK/K/Current marks under the payment history while the loan was in deferment. This is misleading because no payment was due or made during those months. The FCRA prohibits the inclusion of information that misrepresents payment activity. 
Duplicate or Conflicting Account Information : Multiple account numbers are being reported for the same loan across the three credit bureaus, which may cause confusion and a potential negative impact on my score. This conflicts with 607 ( b ) of the FCRA, requiring credit bureaus to maintain maximum possible accuracy. 

It has come to light that XXXX XXXX and DOGE were granted access to federal education records and borrower files. This represents a massive breach of privacy under FERPA, which restricts the access and disclosure of educational and financial aid records without explicit written consent from the borrower. MY RIGHTS under FERPA have been VIOLATED! 
Links Below XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unauthorized reporting related to the student loan account DPT EDXXXX, Account # XXXX. 
Fair Credit Reporting Act ( FCRA ) Violations Inaccurate Payment Status : The account is reported as Current with {$0.00} due and also stated to be in deferment ( payment not required ). According to the FCRA, furnishers must report accurate and complete information. Reporting a Current status when no payment is due ( due to deferment ) is misleading and inflates the appearance of open credit usage without reflecting actual repayment activity. 
Payment History Reporting During Deferment : There are OK/K/Current marks under the payment history while the loan was in deferment. This is misleading because no payment was due or made during those months. The FCRA prohibits the inclusion of information that misrepresents payment activity. 
Duplicate or Conflicting Account Information : Multiple account numbers are being reported for the same loan across the three credit bureaus, which may cause confusion and a potential negative impact on my score. This conflicts with 607 ( b ) of the FCRA, requiring credit bureaus to maintain maximum possible accuracy. 

It has come to light that XXXX XXXX and DOGE were granted access to federal education records and borrower files. This represents a massive breach of privacy under FERPA, which restricts the access and disclosure of educational and financial aid records without explicit written consent from the borrower. MY RIGHTS under FERPA have been VIOLATED! 
Links Below 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX instructed his Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including Financial Aide databset that contains the personal information of millions of students enrolled in the federal student aide program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I sent {$1000.00} XXXX on XX/XX/year> I sent {$2000.00} via my Chime account XXXX an individual who promised an investment opportunity. Within a day I reported this XXXX Chime on XX/XX/year>. I realized it was a scam XXXX  reported it XXXX Chime. I later discovered XXXX provided evidence that the scammer threatened my life several times through text message XXXX coerce me into sending the money. This was not a voluntary or authorized transactionI acted under duress, fearing for my safety. I immediately updated my dispute with Chime, submitting the threatening text XXXX a police report # XXXX, documenting the extortion on XX/XX/year>. I requested Chime reclassify this as an unauthorized transaction, issue provisional credit, XXXX attempt XXXX  recover the funds. 

Chimes response on XX/XX/year>, stating it was an authorized transfer is unacceptable. The death threat proves I was forced to send the money, not that I willingly authorized it. Federal protections under the Electronic Funds Transfer Act XXXX  Visas XXXX Liability Policy should apply XXXX coerced transactions, yet Chime has failed to adequately investigate or refund me despite my prompt reporting ( within days ) XXXX clear evidence of a crime. Ive attached the threatening text, police report details, XXXX  my communications with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. Also there is no record of my initial Master Promissory Note under the Education Department. I attended Georgia XXXX University from 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. Also there is no record of my initial Master Promissory Note under the Education Department. I attended Georgia XXXX University from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I didnt sign up for these thing to be inquiries on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Department of Education passes the account to different servicers who change the amount, interest rate, payment information, date of loan, basis of loan and refuses to validate information. Letter was mailed to servicer and Department of Education on XXXX requesting copy of signed agreement with no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My information was exposed in the XXXX data breach. I have reached out to all 3 credit bureau and tried to get this situation rectified, by submitting supporting documents and certified mail to support my claims. In XXXX of XXXX the items were removed from my credit file. There was a full investigation and the items came back verified as FRAUDULENT. On XX/XX/XXXX the creditor requested that the information be inserted back to my credit file and since has dropped my credit score XXXX points. My rights are being violated under section 605b this item should have been removed and blocked. I am not responsible for this debt and since this item has been inserted back on my file I have been denied credit because of it. This is a violation of my consumer rights and constitution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit. I would like my dispute handled correctly also, I have major concerns about this because of the pending litigation against the credit bureaus by the CFPB. I read that the CFPB is suing the bureaus due to their failure to properly handle disputes. Please handle mine in accordance with the provisions of the lawsuit, otherwise I am very happy to have the CFPB add my claim to their lawsuit.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit. I would like my dispute handled correctly also, I have major concerns about this because of the pending litigation against the credit bureaus by the CFPB. I read that the CFPB is suing the bureaus due to their failure to properly handle disputes. Please handle mine in accordance with the provisions of the lawsuit, otherwise I am very happy to have the CFPB add my claim to their lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a letter in XXXX about a zombie debt and responded about through the mail and asked the company to stop sending communication until they can prove I own the debt which has been paid. They responded by repeatedly calling me from various phones number in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-03-22 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: NJ

Complaint narrative:
Experian is reporting an inquiry that I never applied to. I would like to remove the XXXX  XXXX Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
Equifax is reporting inaccurate and unverifiable accounts on my credit report, despite multiple disputes. They claimed these accounts were deleted, but they still appear. Equifax failed to provide any documentary evidence verifying these accounts. I am requesting the immediate and permanent deletion of the accounts listed in my attached complaint and documents. Equifax is in violation of the FCRA. 
DELETED DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
My old rental property reported the debt without even communicating it. I was not aware of the charges, i paid it as soon as I got to know. Its been 3 months I paid it and they are still reporting it as unpaid which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts are NOT related to any transaction completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The GM Financial company information is incorrectly reporting to XXXX, XXXX, and XXXX. This account was not charged off as bad debt. According to the The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

Thats wrong, as the CFPB and FTCs brief explains. In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am writing to open a second complaint about complaint XXXX. The response to this complaint is nonsense. I have not received an itemized billing from this company. I did not agree XXXX purchase and when I made my purchase I did not agree to pay an interest rate of XXXX % the company documentation says there is no interest. And no customer should have to pay for an account when the merchandise is returned to the original company. 

I want the company practices to be looked at. I don't want just a response from the company that is not addressing any of the issues. I contacted to have the problem resolved not just to get the same response from the company. 

I requested an itemized billing showing that the original purchase has been refunded that was returned the taxes and the entire purchase amount needs to be refunded the purchase was returned to the company, and I also requested a copy of the original signed contract which the company refuses to provide.

Company response to consumer: Closed with explanation