vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-17 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Urgent Concern Regarding FERPA Violations and Student Loan Privacy Breach To whom this may concern, I am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025. 
As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the SBA or any other entity. The reported move of student loan oversight from the DOE to the SBA under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower. 
Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information. 
Given the gravity of these concerns, I respectfully request that your office : 1. Investigate whether the proposed transfer of student loans from the DOE to the SBA in 2025 constitutes a breach of contract and a violation of borrower rights. 
2. Examine whether this transfer or any related actions violate FERPA by exposing students ' personal and financial data to unauthorized entities. 
3. Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws.

4. Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition.

I urge your office to take swift action to prevent potential harm to millions of student loan borrowers who may be impacted by this unprecedented shift in student loan administration. Please provide guidance on what legal protections are available to borrowers in my situation and any steps I can take to safeguard my rights. 
Thank you for your time and attention to this urgent matter. I look forward to your response. 
Sincerely, 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-17 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: AZ

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report and I did not apply to them. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2025-04-17 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: MA

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 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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
CHASE CREDIT CARD LOWERED MY CREDIT LIMIT FOR NO REASON ON MY XX/XX/year> STATEMENT. I HAVE NEVER MISSED A PAYMENT NOR BEEN LATE ON A PAYMENT. MY CREDIT SCORE IS GOOD. MY INCOME HAS INCREASED. I PAY OFF MY CARD IN FULL EVERY COUPLE YEARS. THERE IS NO REASON WHATSOEVER IT SHOULD BE DECREASED. I WORK REALLY HARD TO KEEP A GOOD CREDIT SCORE AND THIS WILL HURT MY SCORE TREMENDOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the student loan account ( s ) listed under my name and Social Security number. I believe my rights under federal law, specifically the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), have been violated due to a breach of my personal information and improper disclosure of sensitive data related to my educational and financial records. 

It has come to my attention that my private informationprotected by federal statutewas accessed, shared, or used without my consent or authorization in a manner that directly contributed to the origination and/or continued servicing of these student loans. This is a direct violation of the Privacy Act, which prohibits unauthorized disclosures of personal information held by government agencies, and mandates strict conditions for consent, access, and sharing.

Under 5 U.S.C. 552a ( e ) ( 10 ), federal agencies are required to establish appropriate administrative, technical, and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards. The breach of these protections renders any resulting obligations invalid and unenforceable. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), inaccurate or improperly obtained information may not be legally reported or used to determine a persons creditworthiness. As such, I am demanding the immediate deletion of all student loan accounts resulting from this privacy breach from my credit report and loan servicing records.

In accordance with 15 U.S.C. 1681i, I request a reinvestigation of these accounts. Please provide within 30 days : Verification of my consent and authorization to originate and service these loans.

A detailed record of who accessed my personal information and under what authority.

The security procedures used to protect my data and an explanation of how the breach occurred.

If you are unable to provide this documentation within the legally required time frame, I respectfully demand the permanent removal of these student loans and cessation of all collection and reporting activities associated with them.

Please be advised that failure to comply with these federal laws may result in legal action and complaints being filed with the Federal Trade Commission ( FTC ), Department of Education, and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a written response within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-17 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
Transunion has failed to accurately investigate fraudulent accounts on my credit report. I have requested for method of verification of investigation and to date Transunion has not provided me with my request as I am legally entitled to.

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 2025-04-17 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: FL

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 2025-04-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing a collection account reported by Portfolio Recovery Associates ( original creditor : XXXX XXXX  ). The account ( # XXXX ) reports a balance of {$1300.00} and has been verified as a collection. 

I previously requested debt validation from Portfolio Recovery under the FDCPA and never received full documentation proving I owe the debt, including a signed agreement or detailed account breakdown. 

Despite the lack of verification, the account continues to report as a valid collection. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I request immediate deletion of this unverified account from all credit reporting agencies or full validation in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested for the debt validation but no response from the 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I initially submitted my dispute before XX/XX/year>, but the company officially began processing it on that date. The dispute is for {$10000.00} ( plus interest ) related to XXXX XXXX involving malpractice and fraud. I sent a certified letter and submitted documents online, including medical evidence, written statements from doctors, receipts for revision treatment, and records filed with the XXXX  XXXX XXXX. Despite the severity of the situation, Comenity Capital Bank/XXXX XXXX continues to process recurring charges on my account. Ive formally requested these charges be paused during the investigation, but they have refused. This is financially harmful and unacceptable, especially with an active fraud and malpractice case under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I took out a private student loan through XXXX in XXXX  for {$7000.00} to attend the XXXX XXXX XXXXXXXX. It was later serviced by XXXX and is now with MOHELA. Over 15 years, I have made payments off and on, yet the balance has ballooned to {$13000.00}, due to a 14.81 % variable interest rate. 

I am currently XXXX  days past due and in financial hardship. I believe this loan exhibits predatory lending practices, including : An excessive and exploitative interest rate far above typical student loan rates Lack of transparent disclosure about the risks of a variable interest rate A ballooning balance even after years of repayment Inadequate support or resolution options from XXXX and now MOHELA Additionally, I was young and inexperienced when I borrowed, and was not fully informed of federal aid alternatives. I feel trapped in a cycle of debt where no real repayment progress is possible. 

Im seeking assistance in obtaining a reasonable settlement, interest rate reduction, or discharge of the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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