vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 


I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 


I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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.

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 2025-02-11 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-11 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 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: TN

Complaint narrative:
I am submitting a formal complaint against Experian for their failure to properly investigate disputes regarding inaccuracies on my credit report. Despite my numerous submissions, Experian consistently responds within 24 hours asserting that the account is accurate, but they fail to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as indicated in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

These are the accounts that I marked as inaccurate. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adjust XXXX Credit Control Service XXXX I urge the CFPB to take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of their investigations. It is vital for consumer protection and the integrity of our financial information.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Rocket have violated all of my consumer rights. They disregard all the formal notices I sent them. On XX/XX/XXXX of XXXX I sent a notice. of right to cancel. on XXXX XX/XX/XXXX XXXX XXXX I sent a revocation. of power of attorney. on XX/XX/XXXX. XXXX. I sent a cease and desist. on XX/XX/XXXX. XXXX. I sent a respa request. All of these notices got Ignored. rocket is violating the. legal notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request the discharge of my student loans due to this infringement.As a borrower, I am deeply concerned that my personal information, including my Social Security number, tax identification number, and financial records, has been accessed and potentially misused without my consent.

This unauthorized access not only violates my privacy rights under FERPA but also exposes me to risks as identity theft. Recent reports indicate that individuals associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have been granted unauthorized access to the XXXXXXXX XXXX XXXX XXXX XXXX federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, including myself. Specifically, it has been reported that XXXX representatives have been feeding data from the XXXX XXXX XXXX XXXX XXXX  systems maintained by third parties, subjecting the data to significant security risks. Given the numerous violations of federal law outlined above, I am formally requesting the immediate discharge of my student loans. The breach of privacy and mishandling of my personal and financial information have caused significant distress, and I believe that these actions meet the legal criteria for discharge under federal law.2. FERPA Unauthorized Disclosure : My private educational information, including details about my student loans, has been disclosed without my consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA safeguards the privacy of student records and requires that no personally identifiable information be released without explicit consent.

3. Privacy Act of XXXX  : The unauthorized sharing of my personal information, including educational records, violates the Privacy Act of XXXX, which restricts the disclosure of personal information held by federal agencies. I request immediate clarification on how my data was shared and who had access to it.

4. Data Breach : I am concerned that a data breach may have occurred, leading to unauthorized access to my student loan information. I request an investigation into this matter and a full report regarding the security and handling of my personal data. If a breach has occurred, I expect the appropriate actions to be taken to mitigate the damage and ensure the protection of my information moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
originally i had a loan with affirm but was unable to make a payment before it was charged off to another company called true accord XX/XX/XXXX. The problem with this is the loan was for {$1700.00} but the company it was charged off to said it was {$1900.00}. The company true accord tried several times to help dispute the amount but Affirm never answered. a loan verification was sent out, multiple phone calls were made and nothing. the company true accord sent an email XX/XX/XXXX saying the loan was no longer in there system because it was sent back to XXXX. ive spoken to many supervisors at affirm and have gotten told if receive an email with updates and never once have i received XXXX. the only emails ive ever gotten was that my call requests have been resolved. ive told them multiple times that i have the loan amount of {$1700.00} just sitting in a bank account and that if i could just pay it off already as it is showing on my credit report as deliquent. its XX/XX/XXXX and i still havent heard anything and im afraid my loan is just stuck in limbo and at this point its been so long and so frustrating just to pay that i shouldnt have to pay it at all. incredibly disappointing as i have the money i want to pay and ive always had good credit so for something like this to ruin it would be just sad.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX  XXXX bal {$0.00} Child Support XXXX XXXX {$20000.00} XXXX XXXX Bank SS XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX of XX/XX/XXXX XXXX Main XX/XX/XXXX COAF XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-02-11 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-11 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: OK

Complaint narrative:
I am writing to formally file a complaint regarding the misuse and mishandling of my credit information, which has resulted in a significant and unjustified drop of XXXX points in my credit score. Upon reviewing my credit report, I have identified inaccurate information that I did not authorize, as well as indications that my personal data may have been shared with an unknown third party without my consent. 
This constitutes a clear breach of contract and failure on Equifaxs part to maintain the accuracy, security, and integrity of my credit file. As a consumer, I rely on Equifax to handle my credit information responsibly, and this failure has caused substantial harm to my financial standing.

Should this issue remain unresolved, I will explore further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

I appreciate your immediate attention to this matter. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year>

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 2025-02-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally file a complaint regarding the misuse and mishandling of my credit information, which has resulted in a significant and unjustified drop of XXXX points in my credit score. Upon reviewing my credit report, I have identified inaccurate information that I did not authorize, as well as indications that my personal data may have been shared with an unknown third party without my consent. 
This constitutes a clear breach of contract and failure on Equifaxs part to maintain the accuracy, security, and integrity of my credit file. As a consumer, I rely on Equifax to handle my credit information responsibly, and this failure has caused substantial harm to my financial standing.

Should this issue remain unresolved, I will explore further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

I appreciate your immediate attention to this matter. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year>

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