vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by XXXX. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure. 

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law. 

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act. 

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by XXXX from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect XXXX to act in compliance with federal law and take immediate action to rectify this serious matter.

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 2025-02-13 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: LA

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by XXXX. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure.

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law.

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act.

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by XXXX from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect XXXX to act in compliance with federal law and take immediate action to rectify this serious matter.

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 2025-02-13 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: LA

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by XXXX. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure. 

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law. 

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act. 

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by XXXX from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect XXXX to act in compliance with federal law and take immediate action to rectify this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists an auto loan account opened at XXXX XXXX XXXX that's closed with a bal. {$27000.00} reported XXXX XXXXXXXX XXXX XXXXXXXX credit card bal. {$300.00} reported XXXX, XXXX XXXX XXXX {$300.00} reported XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists an auto loan account opened at XXXX XXXX XXXX that's closed with a bal. {$27000.00} reported XXXX XXXXXXXX XXXX XXXXXXXX credit card bal. {$300.00} reported XXXX, XXXX XXXX XXXX {$300.00} reported XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer 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 2025-02-13 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 been provided with proof of purchase and payment for a vehicle financed through XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which is currently the subject of litigation for fraudulent reporting of non-payment. 

XXXX, along with XXXX XXXX, was presented with a negotiable instrument that fully satisfied the account. Despite receiving adequate notice and defaulting on their obligation, they failed to acknowledge the payment, continued collection efforts, and reported inaccurate information to credit bureaus. They have not submitted any documents or affidavits to properly close the account. 

I am pursuing legal remedies to compel XXXX  to comply with their obligations. Additionally, I request that Experian conduct a thorough and accurate investigation into these matters, update my records accordingly, and restore my credit score, which has been negatively impacted by this erroneous reporting. Experians negligence and non-compliance in addressing this issue must be rectified, as they have failed to uphold their responsibility in ensuring accurate 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 2025-02-13 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:
When disputed items on my credit report that I know is incorrect it always came back VERIFIED I have done this multiple times and this is including my personal information, well as reports. This is in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue XXXX. Please rectify this error promptly by updating my account.

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 2025-02-13 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: NM

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, CA To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Social Security Number:XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX, XXXX XXXX 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 2025-02-13 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: FL

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
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 2025-02-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$890.00} XXXX  XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$380.00} UNAUTHORIZED INQUIRIES : 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 2025-02-13 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes with supporting documentation, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a reasonable investigation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. A response within 24 hours suggests an automated or superficial process rath er than a proper review. Equifaxs failure to cond
uct a meaningful investigation violates its legal obligations under the FCRA.

Additionally, this conduct may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair or deceptive acts or practices. The CFPBs recent administrative proceeding against Equifax ( File No. 2025-CFPB-0002 ) highlights similar violations, further demonstrating a pattern of noncompliance.

I request that the CFPB take action to ensure Equifax complies with federal law by : Conducting a thorough reinvestigation of my disputed accounts with proper documentation. 
Requiring Equifax to provide detailed findings when responding to disputes. 
Imposing penalties for noncompliance to prevent future violations.

Equifaxs failure to investigate my disputes has harmed my credit profile and financial well-being. I appreciate the CFPBs attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Credit acceptance actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I request that the CFPB take action to ensure credit acceptance complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-13 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: MI

Complaint narrative:
I submitted a dispute with the credit bureaus and the inaccurate information on my report was not removed.

Company response to consumer: Closed with explanation