vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information Under the FCRA ( 15U.S. Code 1681o ) To Whom It May Concern, I am writing to formally dispute the accuracy of certain negative information that appears on my credit report/account. I contend that the following negative items are inaccurate and/or unverifiable : Account/Item Name : [ Insert account/item name or description ] Account Number : [ Insert account number, if applicable ] Date of Negative Entry : [ Insert date, if applicable ] Other Details : [ Provide any additional identifying information ] Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is incorrect. I am specifically referencing 15U.S. Code 1681o Civil Liability for Negligent Noncompliance. This section holds consumer reporting agencies and furnishers accountable for failing to comply with the FCRAs requirements. Should there be any negligent handling of my credit data that results in damages, I reserve the right to pursue any and all legal remedies available under the law.

In light of the above, I respectfully demand that you : Investigate the disputed negative entries as required by the FCRA. 
Verify the accuracy of this information with all reporting parties. 
Remove any information found to be inaccurate, incomplete, or unverifiable from my credit file. 
Please complete your investigation and notify me of your findings in writing within the time frame prescribed by the FCRA. Additionally, please provide me with an updated copy of my credit report reflecting the removal of these disputed items. 

I have enclosed copies of supporting documentation ( such as account statements, correspondence, or any relevant records ) to assist in your investigation. Please review these documents and include the results of your inquiry in your response. 

Thank you for your prompt attention to this matter. I expect that you will take the necessary steps to correct this error in compliance with the FCRA. Should you have any questions or require further documentation, please contact me at the address listed above.

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 2025-02-11 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 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: CA

Complaint narrative:
I am writing to address an account on my credit report that is currently in pending litigation. Given this status, the account is inaccurate and should not be reflected on 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 explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. 

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.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. 

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.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-11 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: MO

Complaint narrative:
RE : Immediate Removal of Fraudulent or Inaccurate Information Due to Data Breach Exposure To Whom It May Concern, I am writing to formally notify you that my personal and sensitive information was exposed as part of a significant data breach and I demand immediate action to remove any and all associated inaccurate or fraudulent data from my credit report. 
my personal data including but not limited to my social security number, address, and other confidential information was compromised as part of this breach. Under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to dispute the inclusion of any inaccurate, incomplete, or unverifiable information on my credit report due to this breach. 
I hereby request that you investigate and remove any information that was the result of this breach from my credit file. Please provide written confirmation of these actions and update me promptly on the status of my request. 
Failure to comply with my request will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the law. 
I expect your immediate response. 
Sincerely, Enclsures ; drivers license, data breach 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 non-monetary relief
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
RE : Immediate Removal of Fraudulent or Inaccurate Information Due to Data Breach Exposure To Whom It May Concern, I am writing to formally notify you that my personal and sensitive information was exposed as part of a significant data breach and I demand immediate action to remove any and all associated inaccurate or fraudulent data from my credit report. 
my personal data including but not limited to my social security number, address, and other confidential information was compromised as part of this breach. Under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to dispute the inclusion of any inaccurate, incomplete, or unverifiable information on my credit report due to this breach. 
I hereby request that you investigate and remove any information that was the result of this breach from my credit file. Please provide written confirmation of these actions and update me promptly on the status of my request. 
Failure to comply with my request will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the law. 
I expect your immediate response. 
Sincerely, Enclsures ; drivers license, data breach 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had my cashapp account for 3 or 4 years, right before XXXX XXXX, i went to login to my account and was unable to, i then made a new account so i could chat with them, when asked they said i violated terms and conditions so i asked how? they wont ever say. so i told them i had a previous account but was randomly unable to login to it & they said i needed to shut down any other account i have but didnt understand my old account wont let me login. ive since had things popping up on my credit & they refuse to help fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: RI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-11 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:
Equifax, Trans union and Experian has failed to respond accordingly after sending all the documents they requested they keep sending me a computer generated response asking for the same information over and over totaling XXXX  times. Their negligence has caused sever injury to my vessel. Vessel being my property. This my final attempt to notify them in this administrative process and cfpb is my witness. All those hard inquiries I did not make you did not prove that I made them except you had a computer ai respond. This is your last XXXX  days as I can not receive credit even though the scoring system is false scoring system because every time the social security number is ran for an amount that account is funded. I am seeking damages of XXXX XXXX dollars if you dont respond accordingly and remove all the negative items I did not give consent to. You must look at our previous conversations in order to fulfill this demand. Im willing to accept the negative items if you can prove I made them, if you can not prove it you agree to pay me XXXX ; XXXX a living man filed on public record in XXXX XXXX document XXXX. I hve given you a year to correct this I will file in federal court a default judgment in these last XXXX  days of your non response and it will be your tacit acceptance that you agree to pay the living man for damages on behalf of XXXX XXXX. I should have XXXX hard inquiries as I have not used this dam scoring system in over XXXX  years XXXX  bank I never had an account, resurgent receivables has not provided the corporate records of account nor their chain of assignments, nor authority to report with any consent given. I had no contract with them All three of you are hard headed corporations seeking. A profit because they paid you to report something they can not even prove which I will file suit on all XXXX of the credit reporting agencies attached affidavits now prove Im not credit worthy with an affidavit of your own any other response will be here say and not allowed. No exceptions. Im living Im not deceased nor am I the corporate fiction. So correct this mess. Its a demand no longer a request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to reasonably reinvestigate disputed information on a credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to its furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit rating. 
I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.

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 2025-02-11 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts on my credit report that I do not recognize. After reviewing my credit report, I discovered accounts that I did not open or authorize. Given that my personal information was exposed in a national data breach, I believe I have been a victim of identity theft. 

I have already submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter and have requested validation of the debts in question. However, I have not yet received adequate documentation proving the validity of these accounts. 

To support my dispute, I have attached the following documents : XXXX. A copy of my government-issued ID for identity verification. 

XXXX. A copy of my FTC Identity Theft Report. 

XXXX. Documentation showing my personal information was compromised in a national data breach. 

XXXX. A copy of my debt validation request. 

Given the circumstances, I request the immediate removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide me with the results at your earliest convenience. 

I appreciate your prompt attention to this matter.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-11 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 am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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