vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Complaint Against Southwest Credit Systems Subject : Dispute of Southwest Credit Systems Authority to Collect Debt To Whom It May Concern, I am filing this complaint against Southwest Credit Systems regarding a debt they are attempting to collect from me. Upon conducting my due diligence, I have found no evidence that Southwest Credit Systems holds the required North Carolina Department of Insurance ( NCDOI ) permit to legally collect debts within the state.

According to North Carolina General Statutes 58-70-1, any collection agency operating in North Carolina must obtain a valid permit. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate whether Southwest Credit Systems is licensed to collect debts within North Carolina. Attached, are two screenshots showing Southwest Credit System 's permit is ( INACTIVE ) in North Carolina on the official National Association of Insurance Commissioners website for North Carolina. 

Additionally, I demand full validation of the alleged debt, including : A complete chain of title proving Southwest Credit Systems ' legal ownership of the debt. 
A copy of the original signed contract that created the obligation.

A breakdown of how the balance was calculated.

Without proper licensing and validation, their collection efforts may be unlawful and could be in violation of Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) [ 15 U.S.C. 1692e ], which prohibits false representations about the legal status of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 {$1000.00} per violation, for 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 any 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 of 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had no success speaking to anyone about the information being reported and they do not comply with laws obviously. When i call, I am on hold for very long waits or the system prompts automated responses that hardly help to connect. It seems like they are comfortable at leaving people on hold in hope that one will get discouraged and that is the case here for many years of not knowing the violations. My compalint is that the reporting company has not done due process to know that the alleded student loan debts ( all accounts ) 90 days late in XX/XX/year> but in XXXX and XXXX is not a 30 day or 60 day late. Also the XXXX as well as XX/XX/year> is also a 90 days late. How can they do that, report inaccurate information and share misleading account information to anyone who have requested and trust them to tell the truth based of their diligent investigation in which they have not done on behalf of me the consumer. They have continued to ruin my reputation and the law is holding all accountable. I have made update to my name and they still put it any kind of way and that does not represent me. I never gave them XXXX  because i have a full name, XXXX XXXX XXXX. They have not validated the investigation. XXXX did not comply so, i know Experian have not investigated properly.

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 2025-03-17 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME:XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-03-17 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME:XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was a customer of XXXX XXXX XXXX with an XXXX XXXXXXXX XXXX  for many years. Recently, I paid the account in full and closed the card. I verified with customer service that no additional action was required on this and I could consider everything paid and closed. I had not received any future statements and recently was advised a negative mark was placed on my credit dropping it a whopping XXXX points stating I had a past due balance that went beyond 30 days. When calling the company, they advised it was interest that came in after the account was paid in full and closed and there was a charge from a company that I had not authorized in the amount of {$34.00}. I paid the balance they stated was owed for interest and the one charge and they are refusing to remove the negative mark on my credit despite it being their error. I respectfully ask for assistance in getting this negative mark removed from my credit to restore what has always been an excellent credit rating. The representative I spoke with stated they don't do courtesy removals of negative marks they leave on consumers credit reports, however the error is on their end and I am being penalized for this.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was a customer of XXXX XXXX XXXX with an XXXX XXXX XXXX for many years. Recently, I paid the account in full and closed the card. I verified with customer service that no additional action was required on this and I could consider everything paid and closed. I had not received any future statements and recently was advised a negative mark was placed on my credit dropping it a whopping XXXX points stating I had a past due balance that went beyond 30 days. When calling the company, they advised it was interest that came in after the account was paid in full and closed and there was a charge from a company that I had not authorized in the amount of {$34.00}. I paid the balance they stated was owed for interest and the one charge and they are refusing to remove the negative mark on my credit despite it being their error. I respectfully ask for assistance in getting this negative mark removed from my credit to restore what has always been an excellent credit rating. The representative I spoke with stated they don't do courtesy removals of negative marks they leave on consumers credit reports, however the error is on their end and I am being penalized for this.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I was a customer of XXXX XXXX XXXX with an XXXX XXXXXXXX XXXX for many years. Recently, I paid the account in full and closed the card. I verified with customer service that no additional action was required on this and I could consider everything paid and closed. I had not received any future statements and recently was advised a negative mark was placed on my credit dropping it a whopping XXXX points stating I had a past due balance that went beyond 30 days. When calling the company, they advised it was interest that came in after the account was paid in full and closed and there was a charge from a company that I had not authorized in the amount of {$34.00}. I paid the balance they stated was owed for interest and the XXXX charge and they are refusing to remove the negative mark on my credit despite it being their error. I respectfully ask for assistance in getting this negative mark removed from my credit to restore what has always been an excellent credit rating. The representative I spoke with stated they don't do courtesy removals of negative marks they leave on consumers credit reports, however the error is on their end and I am being penalized for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by Department of Education serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). This breach allowed my personal and financial information to be compromised by The Department of Government Efficiency and XXXX XXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information. According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by Department of Education serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). This breach allowed my personal and financial information to be compromised by The Department of Government Efficiency and XXXX XXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information. According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 {$1000.00} per violation, for 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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Money was sent to me by my sister. Paypal held the money for tax reasons. I explained it was a gift from my sister. They suggested I refund it to avoid having taxes. When I did, instead of the money going out of the same funds, its now targeting my bank account and is over drafting it. 
Paypal refuses to stop the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. The family education rights and privacy act ( FERPA ) protect the confidentiality of student records. This breach is a clear violation of FERPA And your responsibility to safeguard my information. 

Department of education/NELNET Dates XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$2600.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX - {$5200.00} I requested for it to be canceled and discharged due to this act and it has not been done yet.

Company response to consumer: Closed with explanation