vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Request for Immediate Discharge of Student Loan Due to Privacy Violation XXXX XXXX XXXX XXXX Reference Number - XXXX Endorser Code - XXXX School Name - XXXX  OF XXXX UNIVERSITY Amount : {$40000.00} Dear Sir/Madam, I am writing to formally request the immediate cancellation and discharge of the federal student loan associated with my account referenced above due to a serious breach of privacy and unauthorized access to my personal financial records. 
It has come to my attention that an unauthorized third party accessed my student loan information through a governmental platform, potentially involving the Department of Government Efficiency and high-profile individuals such as XXXX XXXX  XXXX This action occurred without my prior knowledge or consent, and as such, constitutes a direct violation of both the Family Educational Rights and Privacy Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX strictly protects the confidentiality of education records, including student loan data. Any unauthorized access or sharing of this information without written consent from the student is a violation of federal law. In a court of law, such actions would amount to a significant breach of privacy and a failure on the part of the data custodian to protect sensitive information. 
I am deeply concerned about the integrity of my loan data and the security of my personal information. In light of this serious violation, I respectfully request the following : XXXX. Immediate discharge and cancellation of the federal student loan listed under Account No. [ Insert Account Number ]. 
XXXX. A written explanation and full report detailing when and by whom my student loan data was accessed, including any actions taken in response to this breach. 
XXXX. Confirmation that my personal and financial information has been secured, and steps have been taken to prevent further unauthorized access. 
Please treat this matter with utmost urgency. I expect a written response and resolution within XXXX  days, as required by federal law. If this issue is not resolved, I will escalate the matter to the Department XXXX XXXX XXXX XXXX XXXX XXXX and seek legal counsel to protect my rights.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Request for Immediate Discharge of Student Loan Due to Privacy Violation XXXX XXXX XXXX XXXX Reference Number - XXXX Endorser Code - XXXX School Name - XXXX  OF XXXX UNIVERSITY Amount : {$40000.00} Dear Sir/Madam, I am writing to formally request the immediate cancellation and discharge of the federal student loan associated with my account referenced above due to a serious breach of privacy and unauthorized access to my personal financial records. 
It has come to my attention that an unauthorized third party accessed my student loan information through a governmental platform, potentially involving the Department XXXX Government XXXX and high-profile individuals such as XXXX XXXX  XXXX This action occurred without my prior knowledge or consent, and as such, constitutes a direct violation of both the Family Educational Rights and Privacy Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX strictly protects the confidentiality of education records, including student loan data. Any unauthorized access or sharing of this information without written consent from the student is a violation of federal law. In a court of law, such actions would amount to a significant breach of privacy and a failure on the part of the data custodian to protect sensitive information. 
I am deeply concerned about the integrity of my loan data and the security of my personal information. In light of this serious violation, I respectfully request the following : XXXX. Immediate discharge and cancellation of the federal student loan listed under Account No. [ Insert Account Number ]. 
XXXX. A written explanation and full report detailing when and by whom my student loan data was accessed, including any actions taken in response to this breach. 
XXXX. Confirmation that my personal and financial information has been secured, and steps have been taken to prevent further unauthorized access. 
Please treat this matter with utmost urgency. I expect a written response and resolution within XXXX  days, as required by federal law. If this issue is not resolved, I will escalate the matter to the Department of EducationXXXX Office of Inspector General and seek legal counsel to protect my rights.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Request for Immediate Discharge of Student Loan Due to Privacy Violation Parent PLUS Loans Loan Reference Number - XXXX Endorser Code - XXXX School Name - XXXX  OF XXXX UNIVERSITY Amount : {$40000.00} Dear Sir/Madam, I am writing to formally request the immediate cancellation and discharge of the federal student loan associated with my account referenced above due to a serious breach of privacy and unauthorized access to my personal financial records. 
It has come to my attention that an unauthorized third party accessed my student loan information through a governmental platform, potentially involving the Department XXXX Government Efficiency and high-profile individuals such as XXXX XXXX  XXXX This action occurred without my prior knowledge or consent, and as such, constitutes a direct violation of both the Family Educational Rights and Privacy Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX strictly protects the confidentiality of education records, including student loan data. Any unauthorized access or sharing of this information without written consent from the student is a violation of federal law. In a court of law, such actions would amount to a significant breach of privacy and a failure on the part of the data custodian to protect sensitive information. 
I am deeply concerned about the integrity of my loan data and the security of my personal information. In light of this serious violation, I respectfully request the following : XXXX. Immediate discharge and cancellation of the federal student loan listed under Account No. [ Insert Account Number ]. 
XXXX. A written explanation and full report detailing when and by whom my student loan data was accessed, including any actions taken in response to this breach. 
XXXX. Confirmation that my personal and financial information has been secured, and steps have been taken to prevent further unauthorized access. 
Please treat this matter with utmost urgency. I expect a written response and resolution within XXXX  days, as required by federal law. If this issue is not resolved, I will escalate the matter to the Department XXXX XXXX XXXX XXXX XXXX XXXX and seek legal counsel to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND I HAVE FOUND MULTIPLE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, I HEARBY REQUEST AN INVESTIGATION INTO THESE ITEMS AND THEIR SUBSEQUENT REMOVAL FROM MY REPORT. I AM AWARE THAT PER XXXX U.S.C. SEC. XXXX ( a ), YOU ARE REQUIRED TO COMPLETE THIS REINVESTIGATION WITHIN XXXX  DAYS OF RECEIVING THIS CLAIM.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-12 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX U.S.C. XXXX : XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Narrative : On XX/XX/XXXXXXXX XXXX XXXX I disputed two charged-off accounts with XXXX XXXX  and XXXX  ( acct. XXXX XXXX XXXXXXXX and XXXX ) belonging to JPMorgan Chase. My dispute was based on : Re-aging : Date of First Delinquency and Status Dates are inconsistent across bureaus. 

Improper post-charge-off updates : XXXX XXXX rules prohibit reporting new late payments after a charge-off date. 

Duplicate impact : If the accounts share a XXXX  and bankruptcy history, reporting must be consistent across all CRAs. 

The CRAs verified the accounts without providing documentary evidence from Chase. I sent a Direct Dispute to Chase under FCRA 623 ( a ) ( 1 ) & ( a ) ( 2 ) requesting account history, XXXX, charge-off date, and XXXX XXXX field codes. To date, Chase has not provided this information. 

JPMorgan Chase has been the subject of multiple CFPB enforcement actions ( XXXX, XXXX ) for inaccurate credit reporting and inadequate dispute investigations. This appears to be a continuation of those same issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX U.S.C. XXXX : XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine

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 2025-08-12 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: GA

Complaint narrative:
I did not approve this inquiry and had no contact with the lender on the date in question.

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 2025-08-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered a product and paid via Paypal on XX/XX/XXXX. Periodically I received updates about the order and sometimes I would check. Eventually, I checked again on XX/XX/XXXX and it said the item was delivered XX/XX/XXXX but I did not receive the item. I contacted the company and they said to check with XXXX. XXXX website said the tracking number was invalid. On XX/XX/XXXX I contacted Paypal and they opened a case. Reading the results it read " item lost '' and the case was closed in my favor on XX/XX/XXXX. I waited for the money to be returned to my account. Today I was able to speak to a Paypal customer service rep and was told that I had XXXX  days to dispute the finding, they had found in favor of the seller XXXX XXXX XXXX. I searched the email account associated with Paypal and it did say it found in favor of the seller, which differs from what it says on my Paypal account. Again on my account it says the item was lost. Further no where in the email does it say I have XXXX  days to dispute their findings. Paypal rep suggested I dispute the charges with my bank, but that option only last for XXXX  days. I just want my order or my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/year> my phone was stolen and the person logged into my accounts and transferred and paid themselves XXXX plus into their own accounts. They purchased at random stores like XXXXXXXX XXXX and XXXX  with my Checking account. 

XX/XX/year>. I called SOFI and told them my phone was taken and needed them to stop all transactions and transfers. I had to get a new phone gain access to my accounts. 

XX/XX/year> i sent them police report numbers and a full copy of police report on XX/XX/year>. SOFI is indicating that the transaction were valid. 

Sofi is denying all of the evidence provided. This person used my information for ubers and looks like they reside in Louisiana while I'm living in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief