vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
Formal Notice of FERPA & Consumer Privacy Violations Demand for Immediate Deletion Date : ____________________ From : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX To : XX/XX/XXXX [ Address of Aidvantage ] CC XX/XX/XXXX TransUnion Re : Unauthorized Reporting of Student Loan Account / Demand for Deletion To Whom It May Concern, This letter serves as a formal notice and demand regarding multiple violations of my rights under federal law. XXXX has unlawfully reported my student loan information to consumer reporting agencies without my consent, thereby violating my privacy and federal protections under FERPA ( Family Educational Rights and Privacy Act ). I have previously issued a cease-and-desist demand ; however, you have continued to contact me, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

The following violations are hereby noted : 1. FERPA Disclosure of my educational loan records to third parties ( credit bureaus ) without my express written co
nsent.

2. FCRA ( Fair Credit Reporting Act ) Failure to conduct proper investigation after my dispute, and continued inaccurate reporting.

3. FDCPA Continued contact and collection attempts after a valid cease-and-desist demand.

4. GLBA ( Gramm-Leach-Bliley Act ) Failure to protect my sensitive financial and personal information.

5. FACTA ( Fair & Accurate Credit Transactions Act ) Failure to safeguard my consumer information during known credit bureau data breaches. 
Additionally, there has been a serious privacy breach involving XX/XX/XXXX, and TransUnion in which my credit file was placed in jeopardy. As such, your unauthorized reporting has further compounded the risk of harm and identity theft. 
DEMAND FOR RELIEF : 1. Immediate and permanent deletion of any and all accounts or references to me fromXX/XX/XXXX and TransUnion. 
2. Cease all further communications with me regarding this alleged debt.

3. Provide written confirmation within thirty ( 30 ) days that this account has been fully deleted from all credit files.

4. Acknowledge liability for statutory damages under the FCRA ( {$1000.00} per violation ) and FDCPA ( {$1000.00} per violation ), as well as any actual damages caused by these unlawful actions.

You are hereby placed on notice : Failure to comply within thirty ( 30 ) days will result in immediate initiation of legal action in federal court seeking damages, attorney fees, and all other relief to which I am entitled. 
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 non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
Formal Notice of FERPA & Consumer Privacy Violations Demand for Immediate Deletion Date : ____________________ From : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX To :XX/XX/XXXX [ Address ofXX/XX/XXXX CC : XX/XX/XXXXan, Equifax,XX/XX/XXXX Re : Unauthorized Reporting of Student Loan Account / Demand for Deletion To Whom It May Concern, This letter serves as a formal notice and demand regarding multiple violations of my rights under federal law. XXXX has unlawfully reported my student loan information to consumer reporting agencies without my consent, thereby violating my privacy and federal protections under FERPA ( Family Educational Rights and Privacy Act ). I have previously issued a cease-and-desist demand ; however, you have continued to contact me, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

The following violations are hereby noted : 1. FERPA Disclosure of my educational loan records to third parties (
credit bureaus ) without my express written consent.

2. FCRA ( Fair Credit Reporting Act ) Failure to conduct proper investigation after my dispute, and continued inaccurate reporting.

3. FDCPA Continued contact and collection attempts after a valid cease-and-desist demand.

4. GLBA ( Gramm-Leach-Bliley Act ) Failure to protect my sensitive financial and personal information.

5. FACTA ( Fair & Accurate Credit Transactions Act ) Failure to safeguard my consumer information during known credit bureau data breaches. 
Additionally, there has been a serious privacy breach involving XX/XX/XXXX, Equifax, and XX/XX/XXXXn which my credit file was placed in jeopardy. As such, your unauthorized reporting has further compounded the risk of harm and identity theft. 
DEMAND FOR RELIEF : 1. Immediate and permanent deletion of any and all accounts or references to me fromXX/XX/XXXX Equifax, andXX/XX/XXXX 
2. Cease all further communications with me regarding this alleged debt.

3. Provide written confirmation within thirty ( 30 ) days that this account has been fully deleted from all credit files.

4. Acknowledge liability for statutory damages under the FCRA ( {$1000.00} per violation ) and FDCPA ( {$1000.00} per violation ), as well as any actual damages caused by these unlawful actions.

You are hereby placed on notice : Failure to comply within thirty ( 30 ) days will result in immediate initiation of legal action in federal court seeking damages, attorney fees, and all other relief to which I am entitled. 
Sincerely, __________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX andXX/XX/XXXXare both on XXXX and the creditor keeps selling the account information and attempting restart the clock. I have attached my statement regarding our situation. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
We have been making payments over the phone with BSI. There have been several instances where the rep has told us when payments are being debited but payments are not being taken on the dates, they are drawn on the wrong date, and the latest is that they took an extra payment out without our consent. They processed two payments instead of one. This led to the extra payment bouncing and our bank account being negative. 

I called back and the same person who processed our payments said they would issue a refund. 3 days have passed and no refund has been processed. I called back again today and their first answer was we don't offer refunds. They were incredibly rude. Then I called back and another person said they could send a check but it had not been issued yet. Essentially they have stolen money from us and are not being proactive to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ XXXX 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, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We are current on a payment plan agreement With Citibank personal loan and XXXX XXXXXXXX XXXX Credit card but they continue to call and report negative information to the credit bureau like XXXX and others We have hired XXXXXXXX XXXX XXXX to help us with the abusive high interest rate charge by this companies, and they have agreed with the payment plan. 
However they continue to report negative information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am filing this complaint against Equifax Information Services, LLC for failing to comply with the reinvestigation requirements imposed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

I submitted disputes regarding inaccurate and incomplete reporting on accounts furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax did not conduct the reasonable reinvestigation required by law. Instead, the company simply marked the accounts as verified, without providing any documentation or explanation of how that determination was reached. 

The accounts contain significant inaccuracies, including reporting of obsolete or incorrect addresses, inconsistent payment history, and incomplete notations about charge-off status. These errors materially affect the accuracy and fairness of my consumer report. Under 1681i ( a ) ( 1 ) ( A ), Equifax was obligated to investigate and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Equifax also failed to meet its duty under 1681i ( a ) ( 6 ) to provide me with adequate notice of the results of its reinvestigation, leaving me unable to determine the basis of its findings. This deficient process has left harmful inaccuracies on my credit report, damaged my creditworthiness, and caused continued reputational and financial harm. 

I respectfully request that the CFPB require Equifax to comply with the FCRA by performing a lawful and reasonable reinvestigation of my disputes, deleting or correcting all inaccurate and unverifiable information related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ensuring compliance with its statutory reporting duties going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
i wrote the company and asked for historical account information and debt validation and they sent me a letter with a different InfoMation that does not match the info being reported on my credit report. i disputed it a few times with XXXX  and TransUnion and they keep saying the information is accurate

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 2025-09-10 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This account is being reported inaccurately in violation of the Fair Credit Reporting Act ( FCRA ). The information furnished does not reflect complete and correct reporting, and therefore is misleading. Under FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information reported. I am requesting an immediate reinvestigation and correction or deletion of this inaccurate information. I have been a victim of identity fraud and have took action on XX/XX/year> regarding items that appeared on my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I am disputing a 30-day late payment that OneMain Financial reported to the credit bureaus for XX/XX/XXXX. I have consistently made payments and requested documentation clarifying how my payments were applied month to month, but OneMain has refused to provide that information. 

Their records show a payment was made on XX/XX/XXXX, and another on XX/XX/XXXX, claiming that this exceeds the XXXX late window. However, they have not shown whether a payment was due and unpaid during XXXX or whether that XXXX payment was applied retroactively to the missed XXXX billing cycle. 

Additionally, OneMain issued conflicting statements regarding my outreach. In one letter dated XX/XX/XXXX, they apologized for not returning my phone calls. In a later response dated XX/XX/XXXX, they claimed there was no record that I ever called them at all. These contradictions call into question the reliability of their records. 

Despite multiple attempts through the XXXX XXXX XXXX XXXX XXXX  ) process, OneMain has not provided a full accounting of payment application history. I am requesting that the CFPB investigate the validity of the reported delinquency and ensure the company is complying with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was charged XXXX on my American Express card by a credit bureau XXXX I did not authorize this charge. It has already been reviewed by your agency and closed. 
I am reopening this because I had the same thing happen with my XXXX account and that was resolved in my favor. This is the exact same thing with American Express. I have no intentions of paying this fraud. If it were legitimate I would have been receiving services for my XXXX. I have received nothing. 
Please help me with this issue. I never authorized this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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