vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My information was apart of data breach from more than one company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I proved, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal Laws and my rights 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 2025-02-12 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: VA

Complaint narrative:
On XXXX XXXX my records for federal student loans where accessed by XXXX. without my consent in violation of my privacy and FERPA.

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 2025-02-12 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: VA

Complaint narrative:
On XXXX XXXX my records for federal student loans where accessed by D.O.G.E. without my consent in violation of my privacy and FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
On XXXX XXXX my records for federal student loans where accessed by D.O.G.E. without my consent in violation of my privacy and FERPA.

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 2025-02-12 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: OH

Complaint narrative:
A debt collection agency has reported a negative on my credit history even though I have set up a payment plan with them and the debt has been settled. I tried to get them to remove the negative report by contacting the various credit bureaus but the negative on my credit report still remains and it is stopping me from being able to get a credit card to even build my 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 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I am filing a complaint regarding an inaccurate collection account reported for XXXX XXXX XXXX, originally from XXXX XXXX, with a balance of {$1200.00}. This entry is unverifiable, and I request its immediate removal from my credit report. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and complete information. This account is unverifiable and should be deleted from my credit file. Equifax has failed to conduct a reasonable investigation into this dispute and has not provided adequate Method of Verification ( MOV ).

Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ), I demand full validation of the debt, including proof of the original agreement, and account statements. If this information can not be provided, the collection account must be removed.

Florida Law : As a Florida resident, I am entitled to protections under the Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.55 ) and Fla. Stat. 817.566. If this debt is unverifiable, it must be deleted under these state laws.

CARES Act Compliance : This account was reported during the COVID-19 pandemic. If I requested forbearance or hardship accommodations, XXXX XXXX was required to report the account as current. I demand proof of CARES Act compliance.

Resolution : I request the immediate removal of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  collection account from my credit report. If Equifax can not verify the accuracy of this account, it must be deleted from my credit file immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and Florida Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: AL

Complaint narrative:
I am writing to formally request an immediate credit freeze on my accounts due to identity theft. My personal and financial information has been stolen and used to fraudulently open accounts in my name. I have been actively working to dispute these unauthorized accounts, but the process has been unnecessarily difficult. 

Despite my repeated attempts to place a freeze, I have encountered significant obstacles from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Some have required excessive documentation, long wait times, and even fees for a service that should be free under identity theft protections. These delays are preventing me from protecting my credit and resolving fraudulent activity effectively.

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 2025-02-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request an immediate credit freeze on my accounts due to identity theft. My personal and financial information has been stolen and used to fraudulently open accounts in my name. I have been actively working to dispute these unauthorized accounts, but the process has been unnecessarily difficult. 

Despite my repeated attempts to place a freeze, I have encountered significant obstacles from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Some have required excessive documentation, long wait times, and even fees for a service that should be free under identity theft protections. These delays are preventing me from protecting my credit and resolving fraudulent activity effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: LA

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 2025-02-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-12 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: FL

Complaint narrative:
First of all these are fruadulent accts that were opened under my name, secondly I never gave anyone any written consent to report any of my 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 non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
First of all these are fruadulent accts that were opened under my name, secondly I never gave anyone any written consent to report any of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
XXXX, XXXX, & XXXX filed a lawsuit against me on XX/XX/XXXX. I got served on XX/XX/XXXX. I called them on XX/XX/XXXX at XXXX pm XXXX and talked to XXXX. She advised me that the call was being recorded and we continued. We worked out a settlement repayment plan for {$500.00} down on XX/XX/XXXX and {$150.00} per month for 13 months, due by the XXXX of the month. The XXXX month would be {$58.00}, for a total repayment of {$2500.00}. I asked her for a written contract to be sent to me so I could review it, sign it, and set up the initial payment. She said that they do not work that way and that a payment needs to be made BEFORE any contract would be sent out. She also said that I should trust them and that there is no need to respond to the lawsuit because they will handle everything. I set up the payment for {$500.00} to be taken on XX/XX/XXXX by giving bank account and routing numbers. She repeated the terms on the phone, but had mistakenly said the payment was for XX/XX/XXXX and went back and deleted a portion of the conversation. I do no not know what portion or how much was deleted. She then restated the terms with the correct XX/XX/XXXX date for the {$500.00} payment. The payment of {$500.00} was taken out of my account on XX/XX/XXXX as scheduled, HOWEVER, as of today, XX/XX/XXXX, I still have not seen a written contract. I have since answered the lawsuit with these very concerns because taking a payment before a written contract is reviewed and signed by the consumer is a violation of the FDCPA for deceptive, misleading, and predatory debt collection practices. I answered the lawsuit because had I not, they would have used the ethically ill-gotten bank account information to file for a default judgement against me even though a verbal agreement was made on a recorded line, AND a payment was made before a written contract was given for review and signature. I am demanding {$1000.00} in statutory damages per the FDCPA for deceptive, misleading, and predatory debt collection practices by not providing a written contract before demanding and accepting a payment, and saying that I should not answer the lawsuit. I am also demanding {$500.00} in actual damages per the FDCPA for demanding and accepting the payment on a debt without providing a written contract outlining the exact terms before accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I got a loan from XXXX XXXX XXXX. Shortly after I lost my job, my home, my family, My motor blew in my car & I couldn't keep my daughter. I was unable to support her she went to live with family because I could not buy food. I told the office I was struggling. I missed payments. They kept calling and texting every day. I sank in to a deep XXXX. They sent my account to a collections. I told collections my situation that I was indigent. They kept calling. Eventually they gave my account back to the loan company. The loan company then gave my account to a second diffrent collections. Now they call and text me every day. I've gotten XXXX negative remarks on my credit from XXXX loan. I suffered mental anguish over this. I have XXXX  to XXXX XXXX of XXXX XXXX when my phone rings. This has affected my daily life and has prevented me from getting a proper job now because I fear everytime I answer the phone I have to relive my lowest point in my life and it puts me back in my XXXX. It's a constant reminder that my hardest effort to maintain a healthy life were pointless and a waste of time and engery. A reminder of no matter how hard I tried, prayed, attempted or struggled, my every effort was not nor would ever be enough. Even writing this to you has my chest aching & burning and I'm short of breath.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off XXXX XXXX XXXX XXXX ( Account # XXXX ) I am filing a complaint regarding an incorrect charge-off entry for my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ), which shows a balance of {$8600.00} and is marked as charged off. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this charge-off is inaccurate or unverifiable, it must be removed from my credit report. I request verification that XXXX XXXX properly reported this account under the CARES Act as current during the COVID-19 hardship period.

CARES Act Compliance : This account was impacted by the COVID-19 pandemic, and under the CARES Act, creditors must report accounts as current for consumers facing financial hardship. I demand proof that XXXX XXXX adhered to these requirements. 

Florida Consumer Protection Laws : As a Florida resident, I am protected under Florida Statutes ( XXXX XXXX. XXXX, XXXX XXXX. XXXX ) from inaccurate and fraudulent credit reporting. This charge-off should be removed if inaccurate or unverifiable. 

Resolution : I request the immediate removal of this charge-off entry from my credit report. If Equifax and XXXX XXXX can not substantiate this charge-off, I demand that it be deleted immediately. If not resolved within 15 days, I will pursue further action through the FTC, CFPB, and the Florida Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Nelnet, Inc.
State: WA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant XXXX  and concern regarding the security of my personal and financial data. If my demands are not met within XXXX  days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation