vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I am writing to formally dispute my federal student loan obligations through loan servicer Aidvantage due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I am writing to formally dispute my federal student loan obligations through loan servicer Aidvantage due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I am not responsible for this debt, nor do I have a contract with XXXX XXXX XXXX Account # XXXX. Could you please request that they provide the original contract bearing my signature, along with the correct home address as shown in the uploaded documents, that clearly states that I have agreed to pay them or owe them any money. If they can not provide proof of original contract I demand correction to my credit report and the account to be deleted from my credit 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 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Company Involved : Nissan Motor Acceptance I am filing this complaint regarding a billing issue with Nissan Motor Acceptance. Despite making my payments on time, the company failed to process a payment on XX/XX/year>. When I contacted customer service to resolve the matter, I was informed that there was no record of my payment, even though I had consistently made payments as required. 

Despite my efforts to resolve this issue, Nissan Motor Acceptance failed to take any corrective action. As a result, this error negatively impacted my credit report and led to a repossession that should not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Summary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.

I was previously unable to access my credit profile, which further supports my claim of identity theft.

Failure to Update Personal Information : My personal information has not been updated despite multiple requests. 

I have requested that my full legal name be displayed as XXXX XXXX XXXX only. 

All outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

All phone numbers currently listed should be deleted. 

My Social Security number and date of birth should not be displayed on my credit report. 

My employer information should be deleted.

Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. 

Experian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. 

Failure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Disputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.

I demand an immediate investigation and correction of these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: DE

Complaint narrative:
Statement says I have late payments but I do not. I closed the account prior. 
Closed account with highest balance of {$510.00} paid off 100 %, the missed payments are affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXX/XX/year> Paramount Recovery Systems, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Paramount Recovery Systems, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action. 
Please provide the following documentation to validate this debt : XXXX. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency. 
XXXX. Original Creditor Information The name and contact details of the original creditor, including account details. 
XXXX. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
XXXX. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor. 
XXXX. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 
XXXX. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection. 
If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Paramount Recovery Systems account number- XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian put XXXX XXXX back in my credit report after it was deleted for identity theft. I have provided Experian with Police Reports and FTC reports showing that the debt was fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Capital One, XXXX XXXX XXXX XXXX  have all reported to the credit bureau that my accounts were charged off. My rights show if a company charges off my account it is paid in full and they must provide a 1099C to me.

Not only have some of these companies been paid without providing the 1099C they continue to illegally update my report and sold account that has been paid to a collection company without permission from me to sale my information These are multiple violations on companies behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount Owed : {$4300.00} XXXX request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report.

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws. 

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay. 

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
My credit report is all kinds of incorrect. There are collection agencies collecting my personal information without my consent and inaccurate dates and amounts. I have disputed with all XXXX credit bureaus and no one listens to me. I am being denied rental homes because of the inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nelnet, Inc.
State: GA

Complaint narrative:
FASFA constantly harasses me and has not updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have never done buisness with this company and have no knowledge of the debt they are harrassing me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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 recently reviewed my credit report and noticed incorrect, unauthorized, and inaccurate account information relating to fraud and identity theft resulting in damage to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a Chapter XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. XXXX reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a Chapter XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. XXXX reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a Chapter XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. XXXX reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: The Receivable Management Services LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> The Receivable Management XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear The Receivable Management Services, LLC, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. The Receivable Management Services, LLC account number- XXXX. 
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 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
inquired on credit report with out my authorization

Company response to consumer: Closed with explanation