vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Email Address XXXX Date XX/XX/year> XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Alleged Debt and Request for Validation. 

To Whom It May Concern, I am writing to formally dispute the validity of an alleged debt you have reported under account number XXXX, which is now appearing on my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide complete validation of this alleged debt, including but not limited to : 1. The name and address of the original creditor.

2. A full itemization of the alleged debt, including principal, interest, fees, and any payments made.

3. A copy of any signed agreement or contract that supports your claim of my responsibility for the debt.

4. Documentation showing that XXXX XXXX XXXX has the legal right to collect on this debt. 
5. A copy of any judgment, if applicable.

Because this account is being reported to the credit bureaus, it is imperative that you validate the debt. If you are unable to provide sufficient documentation, I demand that you immediately remove this account from all credit reporting agencies to which you have furnished it, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please also note that I am requesting no further contact from you except to provide the requested validation or to notify me that this account has been deleted from my credit report.

If you continue reporting this alleged debt without providing proper validation, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Please consider this letter a formal dispute of the account as reported to the credit bureaus and a request for full debt validation. 

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 2025-04-27 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: IL

Complaint narrative:
I have disputed several inaccurate late payments reported on my credit file directly with Experian. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Experian is legally required to conduct a reasonable investigation within 30 days of receiving a dispute and either verify, correct, or remove the inaccurate information. Despite my repeated efforts and submission of supporting documentation, Experian has failed to remove the inaccurate late payments and continues to report them.

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 2025-04-27 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:
On XX/XX/year>, I reviewed my Equifax credit report and found several accounts that are inaccurate, unauthorized, incomplete, and/or fraudulent.

These inaccuracies directly violate multiple sections of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 602 ( a ) : Credit reporting must be fair, equitable, and accurate.

FCRA 602 ( b ) : Information reported must be fair, relevant, and reliable.

FCRA 607 ( b ) : Consumer reporting agencies must use reasonable procedures to assure maximum possible accuracy. 

FCRA 611 ( a ) ( 5 ) ( B ) : Requires written notice if previously deleted information is reinserted ( which did not happen with the XXXX XXXXXXXX XXXX XXXXXXXX account ). 

FCRA 605 ( a ) : Limits the reporting of outdated negative information.

15 U.S.C. 1681i : Requires a full, prompt, and complete reinvestigation of disputed information.

Specifically, the following accounts violate these rights : XXXX XXXX XXXX XXXX ( Account ending XXXX ) : Charge-off ( {$310.00} ). Unauthorized, inaccurate, incomplete, and illegally reinserted without notice. 
XXXX XXXX ( Account ending XXXX ) : Charge-off ( {$380.00} ). Inaccurate reporting and serious procedural errors. 
XXXXXXXX XXXX XXXX ( Account ending XXXX ) : Charge-off ( {$150.00} ). Incomplete and outdated reporting. 
XXXX XXXXXXXX XXXX ( Account ending XXXX ) : One reported late payment, which is inaccurate and damaging.

I did not authorize or validate the reporting of these accounts, and the furnishers and consumer reporting agency ( Equifax ) failed to comply with mandatory federal accuracy standards. 
The reinsertion of the XXXX XXXX account without providing me with proper written notice within five business days is a flagrant violation of FCRA 611 ( a ) ( 5 ) ( B ), and a violation that by itself warrants immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
Edfinancial has been contacting me at an outdated email and home address, due to this I was not made aware that my student loan repayment began and that it reached 90 day delinquency. Edfinancial 's response on page 7 of the document " Servicers Response '' states " Edfinancial uses a variety of commercial vendors to identify a borrower 's contact information. Vendors include the major consumer credit reporting agencies, with additional support provided by industry leaders such as XXXX, XXXX XXXX, and Electronic White Pages . Throughout the payment pause, Edfinancial placed a priority on maintaining accurate demographic information and borrower engagement. We continued skip tracing efforts when we identified that a borrower 's contact information may have become invalid. Outbound dialing jobs ran weekly to obtain updated mailing addresses. '' However, if they followed up on this statement Edificial would have been made aware through these reporting agencies that my contact information was indeed not current. Please review dispute letter provided as an attachment for further information. When reviewing my credit reports there is no indication of late payments for the months of XXXX and XXXX. My account is noted as current/conditions met. Moving to XXXX my reports reflects a 90 day delinquency or no reporting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
Sold me a defected vehicle, charged more interest each payment- they have received over XXXX dollars- no concern with the limit. Almost XXXX for a warranty that they expired before the XXXX miles all because a complaint was filed against XXXX XXXX for my deposit. This is not fair- I still dont know what wrong. They did a recall now be issues. Why are they getting away with these things? Im paying my bills. This is ridiculous, what company doesnt protect the customers interests?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: NY

Complaint narrative:
Still receiving repeated phone calls from Unifin. 
Still have not been able to verify debt. Still is being reported to the credit bureau without having provided sufficient validation of debt allegedly owed. In XX/XX/year> I sent certified mailed a debt verification request with complete detailed amount and dates to XXXX, XXXX XXXX XXXX XXXX. Received closing statement only. Asked them to remove from my credit reports until doing so. And to forward that the debt is disputed. They did not. Unifin started calling on behalf of XXXX as well as emailed and sent texts to others not involved. They sent texts to XXXX associates and my boyfriend. Sent certified mail to XXXX XXXX  and Unifin stating 15 USC codes as to each piece of information I requested and to contact me through written mail only. Recieved verified receipt mail delivered to Unifin and XXXX. Have not received anything but final closing statement with XXXX. Still receiving phone calls from Unifin and same closing XXXX statement from XXXX. Still is being listed on credit reports this entire time as I dispute it but that it's frca verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my student records were disclosed without my consent, violating FERPA 'S strict confidentiality protections. Breach of the privacy Act of 1974

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
my student records were disclosed without my consent, violating FERPA 'S strict confidentiality protections. Breach of the privacy Act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
payments and continues to report them. 
Their inaction is a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified, the credit reporting agency must delete it.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : They must complete an investigation within 30 days of receiving notice of a 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Asked for debt validation and never received proper validation for the debt. and i wasn't to dispute and removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Equifax PXXXXO. XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Accounts Related to Data Breach Request for Investigation Dear Equifax, I am writing to formally dispute certain accounts on my credit report that may have been impacted by a recent data breach involving my personal information. I recently became aware that my personal and financial data was compromised in a breach, and I have reason to believe that some of the accounts listed on my credit file may be the result of unauthorized activity.

Specifically, I request that you investigate the following accounts : Creditor Name : XXXXXXXX XXXX Date Opened : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or fraudulent. Given the circumstances of the data breach, I request that these accounts be thoroughly investigated, validated, and if found to be unauthorized, immediately removed from my credit report. 

Enclosed, I have provided copies of documents supporting my claim, including : Government-issued ID Proof of address Any relevant police report or FTC Identity Theft Report ( if applicable ) Please complete your investigation within the XXXX timeframe as required under federal law and inform me of the results in writing. If you find that these accounts are indeed unauthorized, I request that you remove them and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
The account was charged off in XX/XX/year>, but was only 120 days past due at the time. According to federal banking regulations, charge-off status is not required until an account is at least 180 days delinquent. Therefore, I believe the charge-off was applied too early, causing harm to my credit report and credit score.

I have disputed this account directly with the credit bureaus without success and am now requesting your assistance in ensuring that the charge-off is corrected or deleted in compliance with federal guidelines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
I disputed several fraudulent accounts on my Experian credit report, providing proof of identity, a police report for identity theft, and evidence of the fraud. Despite this, Experian failed to conduct a reasonable investigation or correct the inaccurate information. Fraudulent accounts from XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX remain on my report. Experian also failed to provide a full file disclosure after my certified dispute. Their negligence has caused financial harm, emotional distress, and damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
I just found out my little cousin has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way. 
I dont know what the difference is but I need my case handled correctly like the court case discusses about the disputes. Please dont do my stuff wrong.

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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NY

Complaint narrative:
Product : Credit card or prepaid card Issue : Improper sharing of personal information Company : XXXX XXXX XXXX, XXXX. 

What happened? 
I am filing this complaint to report serious concerns regarding Discover Banks handling of consumer personal information, including the unauthorized exposure and transfer of Social Security numbers and other sensitive personal data during the sale of delinquent accounts to third-party debt collectors XXXX XXXX XXXX XXXX XXXX A Law Firm Engaged in Debt Collection by purchasing consumer accounts and pretending to be a legal representation of DISCOVER BANK when such relationship does not exist. 

Discover Bank appears to sell or transfer account data to debt collectors without adequate data protection, resulting in third parties gaining access to personally identifiable information ( PII ) such as my full name, address, date of birth, account numbers, and Social Security number. 

Furthermore, these debt collectors often pose as legal representatives of Discover Bank, using misleading tactics to coerce or threaten repayment. In doing so, they create confusion, cause emotional distress, and may violate both the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

This practice raises serious concerns about : Lack of proper disclosure about how personal data will be used once an account is charged off or sold. 

Potential violations of federal privacy laws. 

Deceptive practices by debt collectors who falsely represent themselves as attorneys or legal agents of Discover Bank. 

I am requesting the CFPB to : Investigate Discover Banks data-sharing policies with third-party collectors XXXX XXXX XXXX XXXX XXXX A Law Firm Engaged in Debt Collection XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 Discover Bank to cease sharing sensitive PII without consumer consent or adequate protection. 

Hold both Discover Bank and associated debt collection agencies accountable for any gross negligence, deception, or privacy violations. 

Desired resolution Stop the dissemination of personal information to unauthorized third parties.

Provide full disclosure on what information is being shared and to whom.

Require Discover Bank to issue formal documentation to consumers when an account is sold, specifying the new owner of the debt. 

Require immediate disciplinary action or penalties if found in violation of privacy or consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Accounts Related to Data Breach Request for Investigation Dear Experian, I am writing to formally dispute certain accounts on my credit report that may have been impacted by a recent data breach involving my personal information. I recently became aware that my personal and financial data was compromised in a breach, and I have reason to believe that some of the accounts listed on my credit file may be the result of unauthorized activity. 

Specifically, I request that you investigate the following accounts : Creditor Name : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or fraudulent. Given the circumstances of the data breach, I request that these accounts be thoroughly investigated, validated, and if found to be unauthorized, immediately removed from my credit report. 

Enclosed, I have provided copies of documents supporting my claim, including : Government-issued ID Proof of address Any relevant police report or FTC Identity Theft Report ( if applicable ) Please complete your investigation within the XXXX timeframe as required under federal law and inform me of the results in writing. If you find that these accounts are indeed unauthorized, I request that you remove them and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have two hard inquiries from XXXX XXXX that are over a year old, but have not fallen off of my credit report. I would like to have these hard inquiries removed. XXXX is from XX/XX/year> and the other is from XX/XX/year> I also have a hard inquiry from BECU from back in XX/XX/year> that has not fallen off my credit report yet.

Company response to consumer: Closed with explanation