vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. 
I NOTICED THE ACCOUNTS HAVE BEEN ADDED BACK, UNDER FCRA 15 USC XXXXI ( XXXX ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC XXXXB FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC XXXX XXXX DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Unauthorized Disclosure of Student Loan Information To Whom It May Concern, I am filing a formal complaint regarding the unauthorized disclosure of my personally identifiable information ( PII ) and student loan records, in violation of the Family Educational Rights and Privacy Act ( FERPA ) and federal privacy laws. Specifically, my Social Security number, loan history, and personal data were improperly accessed by an unauthorized third party, as revealed through recent news reports indicating that the Department of Government Efficiency ( DOGE ) accessed U.S. Department of Education records. 

Violation Details : Disclosed Information & Date : My Social Security number, loan balance, and repayment history were accessed on XX/XX/2025 
Source of Breach : Nelnet, my student loan servicer. 
Unauthorized Access : The breach was publicly reported, stating that DOGE accessed Board of Education data, which included personal loan records. 
Awareness & Response : I became aware through media reports and attempted to contact Nelnet but received no response. 

Demands for Immediate Action : 1. Investigation & Enforcement : Initiate a formal CFPB investigation into this data breach, including potential violations of FERPA, the Privacy Act, and CFPB regulations regarding student loan servicers. 
2. Permanent Removal of My Personal Data : Ensure my personally identifiable information ( PII ) is expunged from all federal and servicer databases. 
3. Loan Balance Cancellation : Given the Department of Education and Nelnets failure to protect my personal information, I demand the immediate cancellation of my outstanding loan balance, as the contractual agreement has been compromised. 
4. Public Accountability : Hold Nelnet and the Department of Education accountable for failing to safeguard borrowers data. 

Legal Action if Unresolved : If this matter is not addressed within 30 days, I will pursue additional legal and regulatory complaints, including with the Federal Trade Commission ( FTC ), state attorneys general, and potential civil litigation. 

I request a written response from the CFPB outlining actions taken regarding this complaint. Please direct all correspondence to my contact information listed above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Unauthorized ATM withdrawal in the amount of {$580.00} on XX/XX/2025 at a XXXX XXXX ATM in XXXX XXXX, NJ. It was a USAA debit card ending in XXXX ( still in possession and has been deactivated ). USAA stated it was no fraudulent due to an inimitable CHIP read card was used. My wife and I were nowhere near that XXXX XXXX ATM in XXXX XXXX, NJ as that is an XXXX XXXX XXXXXXXX XXXX XXXX north of where we live. Police report has been filed but they not USAA have produced anything to help prove it was a fraudulent ATM withdrawal.

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 2025-03-11 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX {$0.00} NEGATIVE Round 2 Created Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$38000.00} Payment Amount {$0.00} Last Payment XX/XX/XXXX Term 75 Month ( s ) Description Joint account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 1 | 60 : 0 | 90 : 0 Payment Status 30 days past due XXXX XXXX XXXX XXXX XXXX {$5000.00} NEGATIVE Suggested Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$4600.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Collection account Past Due {$5000.00} Worst Rating XXXX XXXXXXXX {$930.00} NEGATIVE Suggested Account # XXXX Status Original Creditor MEDICAL Creditor Type Collection services High Balance {$930.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks XXXX {$550.00} NEGATIVE Suggested Account # XXXX Status Original Creditor XXXX XXXX XXXX Creditor Type Collection services High Balance {$550.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX {$1100.00} NEGATIVE Suggested Account # XXXX Status Original Creditor MEDICAL Creditor Type Collection services High Balance {$1100.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$3000.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Collection account Past Due {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act. 

To facilitate this process, I require the following documentation : 1. **Date of First Activity** : The date the account was initially opened or the debt originated.

2. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt.

3. **Date of Last Payment** : The date on which the last payment was made towards the debt.

4. **Account Number** : The specific account number associated with the debt in question.

5. **Current Account Balance** : The total amount owed as of the date of this letter.

6. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc.

7. **Chain of Command or Custody** : Documentation proving the ownership and transfer of the debt, including any assignments or sales.

8. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it.

9. **Proof of Collection Rights** : Documentation that demonstrates your authority to collect on this debt.

10. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments.

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX XXXX XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

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 2025-03-11 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX  XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX XXXX XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Turning Point Solutions LLC
State: NY

Complaint narrative:
While looking deeper into my closed accounts that XXXX at XXXX, a company that previously I disputed with the credit bureaus about an account they were reporting as negative and was in collections but the collections were later removed because they could not validate the debt, has now gone back in and resubmitted the account themselves as a negative account balance and past due total of {$3300.00} to my credit reports as of XX/XX/XXXXXX/XX/XXXX They have never contacted me or returned my calls after move-out about this alleged debt. I provided a forwarding address when I moved out and they never sent me a move-out bill, in fact the paperwork I signed upon turning in my keys with their leasing office agents had XXXX balance due on it, it was blank. They immediately sold the debt to a collections agency called XXXXXX/XX/XXXX. Then, after I submitted my dispute in XXXX with the credit bureaus for this account, the collections agency ( XXXX XXXX ) removed the collection account from my credit report. However, at some point since the collection account was removed, XXXX at XXXX committed fraud and resubmitted the unvalidated and deleted account that they were already paid for by the collections agency back onto my credit report, looking to collect twice on it, and severely damaging my credit score and ability to be approved for housing and other financial opportunities over the last 6 years. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. 
I NOTICED THE ACCOUNTS HAVE BEEN ADDED BACK, UNDER FCRA 15 USC XXXXI ( XXXX ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC XXXXB FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC XXXX XXXX DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 non-monetary relief
Consumer complaint received 2025-03-11 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:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. 
I NOTICED THE ACCOUNTS HAVE BEEN ADDED BACK, UNDER FCRA 15 USC XXXXI ( XXXX ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC XXXXB FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC XXXX XXXX DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, And I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance regarding a significant inaccurate error on my credit report maintained by TransUnion. I have discovered that TransUnion is inaccurately reporting a late payment from my XXXX  company, despite having consistently made all payments on time since XXXX. Notably, both XXXX and XXXX Credit Reporting Agency do not reflect this erroneous late payment in their reports. I have reached out to TransUnion multiple times and provided documentation, including receipts of my timely mortgage payments ; however, they continue to refuse to correct this mistake. This false information is adversely affecting my credit score and overall financial standing. I kindly ask for your intervention in resolving this matter and ensuring that TransUnion rectifies this error promptly. Below, I have attached my on-time receipt payment between XX/XX/XXXX and XX/XX/XXXX for my monthly mortgage regarding the month Transunion is reporting falsely and inaccurately ; documents of on-time payment from the other XXXX credit reporting agencies and my driver 's license are also attached. 

Thank you for your attention to this urgent issue.

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