vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: MOHELA
State: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

My personal and financial data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the protection of student education records, including financial aid and loan data. This breach has directly impacted the integrity of my loan records. Under the protections afforded by FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am requesting the full cancellation and deletion of this student loan debt from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

My personal and financial data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the protection of student education records, including financial aid and loan data. This breach has directly impacted the integrity of my loan records. Under the protections afforded by FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am requesting the full cancellation and deletion of this student loan debt from my credit profile.

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 2025-04-15 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: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

My personal and financial data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the protection of student education records, including financial aid and loan data. This breach has directly impacted the integrity of my loan records. Under the protections afforded by FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am requesting the full cancellation and deletion of this student loan debt from my credit profile.

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 2025-04-15 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: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

My personal and financial data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the protection of student education records, including financial aid and loan data. This breach has directly impacted the integrity of my loan records. Under the protections afforded by FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am requesting the full cancellation and deletion of this student loan debt from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am formally disputing the following medical collection accounts being reported on my XXXX  credit file : Account Numbers : XXXX, XXXX, XXXX, XXXX These accounts are being reported in violation of the FCRA and FDCPA. The reporting furnisher failed to provide proper notice or validation, and no documentation, itemized billing, or HIPAA-compliant authorization has been provided to confirm these debts.

Furthermore, the failure to list the original creditor prevents me from verifying the alleged debts, violating 15 U.S.C. 1692g ( a ) ( 2 ). Under the FCRA, you are required to ensure maximum possible accuracy of all reported information ( 15 U.S.C. 1681e ( b ) ) which has not been met. 

Additionally, the reporting of these alleged medical debts violates the updated CFPB guidelines effective XX/XX/year>2025, which further restrict the reporting of certain medical collections. 

These accounts remain unverified, inaccurate, and incomplete. As such, I am demanding the immediate deletion of all XXXX accounts from my Transunion and Equifax credit reports as XXXX has already deleted this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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.
State: NJ

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 2025-04-15 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: Early Warning Services, LLC
State: RI

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize the following accounts in question. I'm a victim of identity theft and i don't recognize these accounts on my report. I'm requesting the following information be deleted from Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
For my birthday I was given an Amex gift card as a gift. 
On Monday XX/XX/year> I tried to use my American Express gift card on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to pay for something that was exactly {$100.00} which is the exact amount on the card. American Express declined the charge stating that the company did not use the 4 digit security code even though it was provided. 
On Monday XX/XX/year> I personally called XXXX XXXX XXXX to pay exactly {$100.00} on my American Express gift card which is still the amount on the card and explicitly provided the 4 digit security code and the person I talked to on the phone made sure to put it in. The charge still declined. 
I have called the number listed on the back of the Amex card ( XXXX ) over 5 times trying to reach a human with absolutely no success. I have read other consumers have had the same issue with these gift cards and not being able to use them ANYWHERE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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 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 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter which is attached stating my loan was paid in full. Quite some time later I received a late notice, I tried explaining to XXXX that they are wrongly billing me and wrongly reporting me as having paid late when I had a letter from them stating the account was paid in full. they need to remove the late payments they are reporting because I never paid late and they are not working with me to accomplish this.

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 2025-04-15 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: FL

Complaint narrative:
I received a letter which is attached stating my loan was paid in full. Quite some time later I received a late notice, I tried explaining to XXXX that they are wrongly billing me and wrongly reporting me as having paid late when I had a letter from them stating the account was paid in full. they need to remove the late payments they are reporting because I never paid late and they are not working with me to accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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.
State: FL

Complaint narrative:
I received a letter which is attached stating my loan was paid in full. Quite some time later I received a late notice, I tried explaining to XXXX that they are wrongly billing me and wrongly reporting me as having paid late when I had a letter from them stating the account was paid in full. they need to remove the late payments they are reporting because I never paid late and they are not working with me to accomplish this.

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 2025-04-15 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/2025

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 2025-04-15 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: NY

Complaint narrative:
According to my credit report, the following bankruptcy details have been recorded : Type : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US Bankruptcy Court XXXX XXXXXXXX I am filing this complaint because the credit reporting agencies have continued to report a bankruptcy on my credit report even after I submitted a formal dispute requesting its removal. In response to my initial dispute, the item was marked as verified. However, I then reached out to the bankruptcy court directly, and they provided written confirmation that they do not report or furnish bankruptcy information to credit bureaus or third-party agencies. 

This means the credit reporting agencies could not have verified this information with the actual sourcethe U.S. Bankruptcy Courtbecause the court does not furnish or confirm such information. Therefore, the verification was either fabricated, based on third-party data mining ( like XXXX or XXXX ), or it was not verified at all in compliance with the Fair Credit Reporting Act ( FCRA ). 

This action is a violation of FCRA 611 ( 15 U.S. Code 1681i ), which requires the credit bureaus to perform a reasonable investigation. Verifying with a third party or data aggregator does not qualify as a reasonable investigation when the original furnisher ( the court ) did not provide the information. This also violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. ''

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 2025-04-15 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: NY

Complaint narrative:
According to my credit report, the following bankruptcy details have been recorded : Type : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US Bankruptcy Court XXXX XXXXXXXX I am filing this complaint because the credit reporting agencies have continued to report a bankruptcy on my credit report even after I submitted a formal dispute requesting its removal. In response to my initial dispute, the item was marked as verified. However, I then reached out to the bankruptcy court directly, and they provided written confirmation that they do not report or furnish bankruptcy information to credit bureaus or third-party agencies. 

This means the credit reporting agencies could not have verified this information with the actual sourcethe U.S. Bankruptcy Courtbecause the court does not furnish or confirm such information. Therefore, the verification was either fabricated, based on third-party data mining ( like XXXX or XXXX ), or it was not verified at all in compliance with the Fair Credit Reporting Act ( FCRA ). 

This action is a violation of FCRA 611 ( 15 U.S. Code 1681i ), which requires the credit bureaus to perform a reasonable investigation. Verifying with a third party or data aggregator does not qualify as a reasonable investigation when the original furnisher ( the court ) did not provide the information. This also violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. ''

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 2025-04-15 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing an account reported by National Credit Systems Inc. for XXXX XXXX XXXX. The account shows a balance of {$17000.00} and is labeled as 'unpaid. ' However, this account does not belong to me. I have requested proof from National Credit Systems that this account is linked to me, including documentation such as my social security number, driver 's license, or any other identifying information that connects me to this account. They have not provided any supporting evidence. I have disputed this account multiple times through XXXX, but the results were not in my favor, as the account was marked as verified despite my objections. I believe this is an error or potential case of identity theft, and I request a full investigation into the matter.

Company response to consumer: Closed with explanation