vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the full cancellation of my XXXX XXXX XXXX due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized disclosure of my personal and financial information. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

As a result of this violation, my personal and financial data were compromised, putting me at risk of fraud and identity theft. Given that my information was mishandled in a way that directly impacts my student loans, I believe I am entitled to relief under federal law. I am requesting full cancellation of my student loan balance as a resolution to this matter. 

Please consider this letter as my formal request for loan discharge under any applicable provisions, including XXXX XXXX to XXXX or other XXXX XXXX  programs.If additional information is required, please contact me at your earliest convenience. 

I appreciate your prompt attention to this urgent matter. I look forward to your response.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the full cancellation of my XXXX XXXX XXXX due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized disclosure of my personal and financial information. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

As a result of this violation, my personal and financial data were compromised, putting me at risk of fraud and identity theft. Given that my information was mishandled in a way that directly impacts my student loans, I believe I am entitled to relief under federal law. I am requesting full cancellation of my student loan balance as a resolution to this matter. 

Please consider this letter as my formal request for loan discharge under any applicable provisions, including XXXX XXXX to XXXX or other XXXX XXXX  programs.If additional information is required, please contact me at your earliest convenience. 

I appreciate your prompt attention to this urgent matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX 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 2025-02-10 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX 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 2025-02-10 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I discovered my identity was stolen upon receiving a collection notice for a credit card I never opened. Further investigation revealed multiple unauthorized account, including a personal loan and a cell phone contract, all fraudulently created using my personal information. MIDLAND CREDIT and the phone provider confirmed this account was opened without my consent. I attempted to file a police report but was referred to the FTC, where I reported the theft. I also contacted major credit bureaus to place fraud alerts. This identity theft has harmed my credit score, and I am working to recover and secure my information. 


I believe the account is invalid. MIDLAND CREDIT MANAGEMENT , INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.MIDLAND CRED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving offenders vulnerable to scams. The lack of accountability raises serious concerns about consumers safety. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Due to the data breach my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: WI

Complaint narrative:
To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards.

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.

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 2025-02-10 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: WI

Complaint narrative:
To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards.

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.

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 2025-02-10 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: WI

Complaint narrative:
To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards.

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.

Company response to consumer: Closed with explanation