vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



Account XXXX : XXXX XXXX Account 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 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested debt validation over the phone and was told the documents would be sent to me within 30 days. After 30 days passed with no response, I called back. They admitted they didnt have the information and told me Id have to wait another 30 days. This is unacceptable and feels like a delay tactic. I still have not received any proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-24 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: FL

Complaint narrative:
To who it may concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material Legal Void concerning all student loan obligations previously managed under its authority.

DEMAND FOR VERIFICATION & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : Immediate cessation of collection efforts until full legal verification is provided.

A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

WRITTEN Confirmation that you will cease reporting this unverified debt to credit bureaus. 
If you fail to comply, I will escalate this matter to CFPB, FTC, and pursue legal action for violating of my consumer rights. 
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 2025-04-24 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: FL

Complaint narrative:
To who it may concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material Legal Void concerning all student loan obligations previously managed under its authority.

DEMAND FOR VERIFICATION & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : Immediate cessation of collection efforts until full legal verification is provided. 
A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

WRITTEN Confirmation that you will cease reporting this unverified debt to credit bureaus. 
If you fail to comply, I will escalate this matter to CFPB, FTC, and pursue legal action for violating of my consumer rights. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
To who it may concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material Legal Void concerning all student loan obligations previously managed under its authority.

DEMAND FOR VERIFICATION & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : Immediate cessation of collection efforts until full legal verification is provided.

A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

WRITTEN Confirmation that you will cease reporting this unverified debt to credit bureaus. 
If you fail to comply, I will escalate this matter to CFPB, FTC, and pursue legal action for violating of my consumer rights. 
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 2025-04-24 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 formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-04-24 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: AZ

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-04-24 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:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate discharge of my student loan debit in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family educational rights and privacy act ( FERPA ) ; my student records were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of privacy act of 1974 : my personal and financial information was improperly accessed and shared without my authorization for my privacy rights under federal law. Violation of the higher education act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate discharge of my student loan debit in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family educational rights and privacy act ( FERPA ) ; my student records were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of privacy act of 1974 : my personal and financial information was improperly accessed and shared without my authorization for my privacy rights under federal law. Violation of the higher education act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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 2025-04-24 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: MD

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate discharge of my student loan debit in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family educational rights and privacy act ( FERPA ) ; my student records were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of privacy act of XXXX : my personal and financial information was improperly accessed and shared without my authorization for my privacy rights under federal law. Violation of the higher education act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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 2025-04-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex is not approving me for the credit card and using my old XXXX score from XXXX XXXX XXXX and this is not my XXXX score today is XXXX XXXX XXXX and Amex dont have my updated score my XXXX score is XXXX not XXXX. Amex refused to renew my credit card application and refused to pull my credit report. Im not sure when I can reapply. And they kept my existing credit card limit at {$1000.00} for blue preferred Amex card ending in XXXX and wont increase it. Please re consider my application and I will send a screenshot of my updated credit card. AMEX IS USING MY OLD XXXX SCORE Application number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MI

Complaint narrative:
Harley Davidson Financial Services ( HDFS ) has far extended the 7 in 7 rule. In the last 3 days they have called me 21 times. I've spoken to them and made an arrangement on XXXX but the calls kept coming. The person I spoke to today on XXXX said that that arrangement was never in any notes and they can't see how many time 's I've been called. This happens frequently with them. Their calling is harassing and extremely excessive. It far exceeds the 7 in 7 rule.

Calls from HDFS that exceed the 7 in 7 rule in this month : XXXX  : 9 calls XXXX  : 8 calls XXXX : 4 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
In XXXX, I attempted to do a balance transfer to Acima to pay off my account. When I received a notice from Acima that my automatic payment was to be processed, 2 weeks later, I contacted Acima. They said they had not received a payment. I then contacted my credit card company to determine if they had issued a check. They reported that they had done so. I then called Acima and they informed me that I would have to talk to the credit card company to resolve the problem as they had still not received payment. 
I contacted my credit card company and they opened a dispute. The next week, they reported the check did not show as paid, so they issued another check. 
The second check shows as received on XX/XX/XXXX on my Acima account. I received a message from Acima that they were processing the check and would apply it to the bill. 
On XX/XX/XXXX I received a message from Acima stating that the account would be debited, as per the original agreement, from my checking account. I went online and saw that Acima had refunded the ENTIRE second check back to my credit card company on XX/XX/XXXX. When I called on XX/XX/XXXX to speak to Acima, I spent over 35 minutes on hold before the call was disconnected. I called back and was told that the check had been returned because the amount was not exactly what was due. This is hard to fathom since the amount changes by the day. Every day I contact Acima the total amount due is different. The person on the phone told me that I could pay off the account ONLY with the bank account on file with Acima. He then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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