vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$7300.00} XXXX XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXXXXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$820.00} XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$710.00} XXXXXXXX XXXX - XX/XX/XXXX XXXX {$5600.00} XXXX XXXX - XX/XX/XXXX - {$0.00} 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

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Requested & provided all required documentation by NewRez to remove escrow from my mortgage on XXXX/25. Received response via e-mail/letter it can take up to 20 days to process. XXXX/25 called & spoke to representative who stated they would escalate case which only shows in process and I would get a phone call within 72 business hours. No call received so I called again on XXXX/25 & spoke to XXXX  who again stated my request is in process & since its been more than 20 days she would escalate it. I then requested to speak to the escrow department directly to which she replied, theyre a non-customer facing department and I can not do that. I then requested to speak to a supervisor in her department, she placed me on hold and returned to say that all the supervisors were in a meeting. I asked what the supervisors name is and if I could get a callback when they were out of the meeting. She stated she can not provide a name of her supervisor or any supervisor. She also declined to provide the name of the representative I had originally spoke with XXXX/25. She stated she would request a supervisor return my call after their meeting, the call has been received thus far.

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 2025-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-06 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: TX

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : 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 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

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 2025-05-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am formally filing a complaint regarding multiple serious violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and associated federal data protection laws by the U.S. Department of Education and its loan servicer, XXXX. 

There is significant evidence that my educational and financial records have been exposed, mishandled, and shared without consent with unauthorized third parties, including entities allegedly connected to the Department of Government Efficiency ( DOGE ), as well as public figures such as XXXX XXXX and Donald J. Trump. Such disclosure represents a grave breach of my privacy rights and a failure of the Department to uphold its obligations under FERPA and the Privacy Act of 1974 ( 5 U.S.C. 552a ). 

Key incidents and violations include : XXXX Data Breach ( XXXX ) : As widely reported, over XXXX XXXX borrowers had personal data ( including SSNs and contact information ) exposed. This breach has triggered ongoing class-action lawsuits citing gross negligence and violation of privacy laws ( see XXXX XXXX XXXX XXXX XXXX XXXX. 
Unlawful Third-Party Data Transfers : Reports and whistleblower accounts allege that the Department of Education , under contract or indirect influence from DOGEa purported internal agency headed by XXXX XXXXtransmitted sensitive borrower information for unauthorized analysis and use. These actions violate provisions of FERPA, which strictly limit access to educational records without express written consent. 
Involvement of Political Entities : Allegations persist around the misuse of borrower data for non-educational or political purposes, involving public figures like Donald Trump, including potential use of information for political campaign profiling or administrative leverage. If true, such actions would represent blatant misuse of federal education databases for personal or political gain.

These actions violate the following federal codes and protections : FERPA 20 U.S.C. 1232g ( b ) ( 1 ) : Limits disclosure of student records without consent.

Privacy Act of 1974 5 U.S.C. 552a ( e ) ( 10 ) : Requires agencies to establish safeguards to ensure data confidentiality.

Fair Credit Reporting Act 15 U.S.C. 1681 : Misuse of credit data in the wake of a breach may have led to adverse effects on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am formally filing a complaint regarding multiple serious violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and associated federal data protection laws by the U.S. Department of Education and its loan servicer, Nelnet. 

There is significant evidence that my educational and financial records have been exposed, mishandled, and shared without consent with unauthorized third parties, including entities allegedly connected to the Department of Government Efficiency ( DOGE ), as well as public figures such as XXXX XXXX and Donald J. Trump. Such disclosure represents a grave breach of my privacy rights and a failure of the Department to uphold its obligations under XXXX and the Privacy Act of 1974 ( 5 U.S.C. 552a ). 

Key incidents and violations include : Nelnet Data Breach ( XXXX ) : As widely reported, over XXXX XXXX borrowers had personal data ( including SSNs and contact information ) exposed. This breach has triggered ongoing class-action lawsuits citing gross negligence and violation of privacy laws ( see Nelnet XXXX XXXX XXXX XXXX XXXX. 
Unlawful Third-Party Data Transfers : Reports and whistleblower accounts allege that the Department of Education XXXX under contract or indirect influence from XXXX purported internal agency headed by XXXX XXXXtransmitted sensitive borrower information for unauthorized analysis and use. These actions violate provisions of XXXX, which strictly limit access to educational records without express written consent. 
Involvement of Political Entities : Allegations persist around the misuse of borrower data for non-educational or political purposes, involving public figures like Donald Trump, including potential use of information for political campaign profiling or administrative leverage. If true, such actions would represent blatant misuse of federal education databases for personal or political gain. 
These actions violate the following federal codes and protections : XXXX 20 U.S.C. 1232g ( b ) ( 1 ) : Limits disclosure of student records without consent.

Privacy Act of 1974 5 U.S.C. 552a ( e ) ( 10 ) : Requires agencies to establish safeguards to ensure data confidentiality.

Fair Credit Reporting Act 15 U.S.C. 1681 : Misuse of credit data in the wake of a breach may have led to adverse effects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-05-06 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am being harassed by two men that continue to call me about my XXXX credit card from a restricted number that does not show up on my caller id nor do they leave a message with a call back number. They call me daily about 5 to 6 times a day staying they are from XXXXXXXX XXXX. I do not believe this is true. Due to a financial hardship my XXXX received a charge off so it is my understanding the debt was forgiven but I am not positive how this works. I could really use some guidance on this issue. I believe the company the men work for is called Bread Financial now no longer Comenity Bank. XXXX or XXXX. The harassment I am experiencing is unbearable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
My personal information has been unlawfully used, and the listed accounts result from XXXX XXXX. Under FCRA 605C ( 15 U.S.C. 1681c-3 ), I request the immediate blocking and removal of all adverse information related to this crime. Failure to comply violates my rights under federal law, and I demand immediate corrective action.

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 2025-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The creditor promised to have the debt removed from credit report. However, they just posted debt is still on my report and showing as paid in full/closed written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant 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 non-monetary relief
Consumer complaint received 2025-05-06 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 request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-06 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 formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-05-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief