vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Original complaint XXXX Submitted XX/XX/year> response XX/XX/year> This matter is not settled due to my rights being violated. My information continues to be reported inaccurately on my credit report. The documentation provided listed the name, but I do not recognize the company or accounts for which they sent documentation. None of the documents that were sent were any of the documents I requested for validation of any of the alleged debt owed to Portfolio Recovery Associates as owner of the alleged debt. Documentation originally requested validation letter with my original signature, chain of assignment letters, forward flow agreement, and purchase agreement, have never been received to validate any debt. Since this documentation has not been provided and I do not have any knowledge of a signed contract with Portfolio Recovery Associates my rights under 15 USC 1681 have been violated. 

In addition, I am requesting a description of the procedure used to determine the accuracy and completeness of the information that is being disputed. Who was interviewed regarding this account? How did you come to this determination? What process was used to determine the alleged amount owed? Proof the company is licensed in my residing state of Pennsylvania. If the requested documentation is not provided and verified per FCRA and Consumer Law guidelines, 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: StellarFinance, Inc.
State: PA

Complaint narrative:
In XX/XX/year>, I created a subscription to XXXX XXXX. This opened an account which was designed to help me build my credit based on reporting the payments that I made for my phone bill subscriptions through to my credit the company did not make payments on my behalf and claimed that I did not have sufficient funds in my account when I did have sufficient funds in my account. On XXXX XXXX they claimed to have made a payment to XXXX XXXX my behalf and claim that I owed them this amount however, with other payments, they simply did not pay the bill if the status of my checking account was insufficient funds, after saw that this was an issue I attempted to make a payment on the account website but I had a zero balance. I suspended my subscription which I believed to have closed my account. Over a year later, they are still reporting that I owe this amount and that my account is still open, I have reached out to them multiple times to resolve this matter, and they have been unable to provide me with any documentation validating their claims. I was unable to view my account information then and I am still unable to see my account information. The website only shows the same screen and after I attempted to link my account multiple times, the only result was a buffering circle. The fact that I am unable to view my account, update my account or receive any information in regards to my account but they are consistently reporting negative feedback on my credit report is alarming. I am concerned because of the privacy risk, the lack of accuracy in the reporting and the access that they have to my data and bank account. This is a gross breach of my privacy, my data and my rights as a consumer. I also went to the BBB website to file a complaint and noticed that they have several complaints against them regarding similar claims to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
On XX/XX/year>, XXXX XXXX XXXX added a collection account to my Equifax credit report for {$200.00}. I am writing to formally dispute this account, as it does not belong to me. 

Upon contacting XXXX XXXX XXXX, they acknowledged that the Social Security number and birthdate associated with the account do not match my personal information. Despite this, the account was still reported to my Equifax credit file. The company suggested that I dispute the account through their website, which I have done. Additionally, I have submitted a dispute directly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-17 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: FL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

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 2025-03-17 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:
Dear CFPB, I am filing this complaint to report a serious concern regarding the unauthorized access and potential misuse of my personal and financial information by parties associated with my student loans. I believe this constitutes a violation of federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection statutes. 

Details of My Concern : I have recently discovered that my personal and financial information, tied to my student loans, may have been accessed and compromised without my knowledge or consent. I have reason to believe that entities, including XXXX XXXX and DOGE related organizations, were involved in this breach. This unauthorized access appears to be connected to my student loan servicer or the Department of Educations contractors, who may have mishandled my data. 

Student Loan Details : - Account Number : XXXX - Loan Servicer : Nelnet - Loan Types : DIRECT SUB and DIRECT UNSUB loans under Groups AA through AH - Outstanding Balances : {$34000.00} across multiple loan groups Violations : 1. Unauthorized Access to My Data : My personal and financial information was accessed and potentially shared without my consent. This is a clear violation of my rights under the FCRA, which mandates that consumer data be protected and shared only with authorization. 

2. Compromise of Sensitive Information : The breach of my information has caused significant distress and raises concerns about how my servicer and DOGE-related entities have handled my data. I am particularly concerned about the misuse of my information by third parties. 

3. Failure to Notify Me of the Breach : At no point was I notified of any data breach or unauthorized access. This lack of transparency further violates my rights as a borrower and consumer. 

I believe it is critical that my concerns are addressed promptly and that my rights as a borrower and consumer are protected. Please let me know if additional information is required to investigate this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by Experian. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I discovered Experian was reporting an unverified and inaccurate public record ( bankruptcy ) on several trade lines on my credit report. Despite attempts to resolve this issue directly with Experian, they continue to report inaccurate information erroneously, which detrimentally, and adversely affects my creditworthiness. 

Subject : Dispute of Inaccurate Bankruptcy Record Request for Removal Dear Experian, I am writing to formally dispute the inaccurate reporting of a bankruptcy record on my file. As per the attached correspondence from XXXX XXXX XXXX XXXX, the bankruptcy record ( Case Number XXXX ) has been removed from my XXXX file following their re-investigation. It is common knowledge that Experian relies upon XXXX to verify public records, namely Bankruptcy cases. 

Despite this resolution, I have reason to believe that this incorrect information is still being reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a re-investigation and remove all references and instances to this inaccurate bankruptcy record from credit lines on my credit file. 

Please find attached a copy of the letter from XXXX confirming the removal of this record. I request that you : 1. Investigate and verify the accuracy of the bankruptcy record reported on my file. 
2. Remove any erroneous information related to this record if it is found to be inaccurate. 
3. Provide a written response confirming the outcome of your investigation. 

I expect a response within the time frame allowed under the FCRA. If the inaccurate record is not removed, I will exercise my rights to further dispute this matter and escalate it as necessary. 

Please confirm receipt of this letter and provide updates on your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of late payments on my mortgage account with XXXX XXXX XXXX. Despite consistently making my payments on time, my credit report incorrectly reflects XXXX and XXXX late marks. This error has unfairly damaged my credit standing. 

These late marks violate my rights under the FCRA and TILA. Specifically, FCRA Section 604 ( 15 USC 1681b ) requires credit bureaus and creditors to ensure reported information is accurate and verifiable. FCRA Section 611 ( 15 USC 1681i ) allows me to dispute inaccuracies, yet these errors persist. FCRA Section 623 ( 15 USC 1681s-2 ) obligates creditors to ensure only correct and updated information is reported. Lastly, TILA 15 USC 1637 ( c ) ( 1 ) requires proper notification at least 21 days before a payment is due, and I never received such notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of late payments on my mortgage account with XXXX XXXX XXXX. Despite consistently making my payments on time, my credit report incorrectly reflects XXXX and XXXX late marks. This error has unfairly damaged my credit standing. 

These late marks violate my rights under the FCRA and TILA. Specifically, FCRA Section 604 ( 15 USC 1681b ) requires credit bureaus and creditors to ensure reported information is accurate and verifiable. FCRA Section 611 ( 15 USC 1681i ) allows me to dispute inaccuracies, yet these errors persist. FCRA Section 623 ( 15 USC 1681s-2 ) obligates creditors to ensure only correct and updated information is reported. Lastly, TILA 15 USC 1637 ( c ) ( 1 ) requires proper notification at least 21 days before a payment is due, and I never received such notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I asked him to stop calling this number I don't know what they're calling me about they're calling about some debt I don't owe anybody anything I want them to stop calling my number it's against the law it's harassment they call all day long all night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap XXXX Lending, Hidden Fees & FTC Precedent from XXXX XXXX XXXX GoodLeap is engaging in predatory lending practices and charging hidden fees on solar loans that trap customers in excessive, undisclosed debt. 

I financed a {$52000.00} solar system through GoodLeap in XXXX 2021, with XXXX XXXX as the installation company. Since installation : XXXX XXXX admitted to system-wide failures ( confirmed via email from XXXX XXXX XXXX Director of Solar Education XXXX XXXX XXXX XXXX XXXX 
GoodLeap misrepresented loan terms and financing fees, causing my loan to cost significantly more than what was originally disclosed. 
My loan balance was artificially inflated with hidden financing fees that were never properly disclosed before signing. 
My monthly payments ( {$210.00} per month ) do not match the financing terms provided during the loan agreement. 

GoodLeap is attempting to distance itself from this situation, even though they are the lender responsible for financing defective products and failing to properly vet the solar companies they work with. 
XXXX XXXX XXXX GoodLeap Was Held Responsible Before This is nearly identical to the XXXX XXXX case, where GoodLeap : Financed fraudulent solar sales through an unvetted installer. 
Was held liable by the FTC and forced to cancel fraudulent solar loans. 
Attempted to avoid responsibility until the FTC intervened. 

GoodLeap can not claim they have no responsibility in my case when they were forced to cancel fraudulent solar loans in the past. 
Legal Violations Truth in Lending Act ( TILA ) Violations Failure to disclose all financing costs upfront, resulting in hidden junk fees. 
Unfair & Deceptive Acts ( XXXX Violations ) GoodLeap is knowingly financing defective solar systems while misleading consumers about costs.

Company response to consumer: Closed with explanation