vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX * * Re : Request for Debt Validation * * Dear \ LVNC FUNDING LLC I am writing in response to a letter received on [ XX/XX/XXXX ], regarding an alleged debt you claim I owe. I do not acknowledge or accept responsibility for this debt and am requesting validation, as provided for under the * * Fair Debt Collection Practices Act * *, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature ; 4. A detailed account history showing how the amount claimed was calculated ; 5. Proof that you are legally authorized to collect this debt in my state ; 6. Verification that the debt is within the statute of limitations.

Until you provide the requested validation, you must cease all collection activities, including reporting this debt to credit bureaus, as doing so without proper validation is a violation of the FDCPA.

This letter is not an acknowledgment of any debt. Please respond in writing within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of inquiries have violated my rights.

15 u.s.c. section 502A states I have the right to privacy.

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
TRUIST BANK IS INVOLVED IN FRAUD AND IDENTITY THEFT IN CLAIMANT XXXX XXXX XXXX THE VICTIM OF IDENTITY THEFT REQUIRES FEDERAL REGULATOR IN XXXX XXXX XXXX FRAUD DIRECTOR XXXX XXXX TO IMMEDIATELY COMPLY WITH FEDERAL LAW IN CONSUMER LENDING FRAUD IN WRITTEN DISCLOSURE EXPUNGEMENT IMMEDIATELY WITH FBI TO TERMINATE MULTIPLE XXXX XXXX IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> THIS IS CHARACTER ASSINATION AND MY ATTORNEY WILL SEEK FURTHER DAMAGES IN MEDIATION SETTLEMENT BY THE TRUIST BANK XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX DUE PROCESS OF LAW

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and XXXX unsure how they got there. I reviewed my report as I normally do, but unexpected discrepancies appeared. I even refreshed my browser thinking it might be a temporary error, but the incorrect information remained. Given this situation, I kindly request a detailed review of the documents I submitted so I can put this issue behind me once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I've repeatedly asked equifax to remove items from my report relating to medical charges, and they have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I was a victim of XXXX theft and identity theft in XXXX moved in a complex that provided internet services inclusive the lease and I was not able to opt out of the community internet services provided. I moved in on XX/XX/year>, after moving in I noticed that it was suspicious activity on devices that were connected to the assigned to my apartment. I immediately reported this to the property XXXX and according to her ( XXXX ) the only thing that was able to be done was resetting the password and resending it via email. After about XXXX rounds of this practice I reached out personally to the provider ( XXXX XXXX ) was informed that since this was a bulk/business acct and not residential ( allowing me autonomy to service and inquire of my services ). informing her of this was met with dismissal and continued responses of " They don't do that ''. 

The situation continued, growing in cyber crimes and acts leading to the unlawful entries in my home and car on the property. finally after several complaints, I was able to file a police report of the entering of my XXXX XXXX identity documents of me my son, my late sister and both late parents were taken and POAs in addition to a sleuth of personal property of all of them, massive items belonging to myself and child were stolen with home goods.. 

XXXX of 2023 I received confirmation that my information was compromised and taken from my employers database, an employer from XXXX. My full name, XXXX and SS were involved and the info was reported to law enforcement per transunion cycberscouts dept ; the incident happened on XXXX. although I presented the details to the leasing office with the police report, she stated that I would need to file a claim with my renters insurance for the property and still nothing she can do. As advised, I filed the claim ; shortly after ejected from my XXXX XXXX to being unable to access any of my own data due to compromised data and the changing of email addresses and phone numbers preventing verification of my own identity. 

I contacted the credit reporting agencies and they failed to help or block any and all negative items that appeared as a result in those years to XXXX current. I completed the FTC report and froze my credit bureaus data, of which I cant unfreeze or access. As a result of the crime being cyber led, I was not able to retrieve any receipts that were mailed to the my email address for XXXX decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: OH

Complaint narrative:
I am writing to formally report a breach of federal consumer financial protection laws by XXXX, a third-party entity that has unlawfully accessed XXXX Department of Education ( DoE ) student loan accounts without authorization. This conduct violates multiple statutes under the CFPBs jurisdiction and warrants immediate investigation.

Summary of Violations : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6821 XXXX violated GLBAs prohibition on pretexting by obtaining nonpublic personal information ( e.g., XXXX XXXX  account details ) through false pretenses, deception, or unauthorized means. As a third party without contractual or regulatory authority to access DoE systems, XXXX actions constitute unlawful acquisition of customer information under 15 U.S.C. 6821.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b If XXXX accessed consumer reports ( e.g., credit data tied to student loans ) without a permissible purpose under 1681b, such as for debt collection, credit issuance, or legitimate business need, they violated FCRA. Unauthorized access to this data harms consumers privacy and exposes them to identity theft risks.

Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) XXXX likely violated the CFAA by intentionally accessing DoEs computer systems without authorization, thereby obtaining financial records and student loan information. This constitutes a criminal violation of federal hacking laws.

Requested Action : Investigate XXXXs unauthorized access to DoE accounts and determine the extent of consumer harm.

Enforce penalties under GLBA and FCRA, including injunctive relief, restitution, and civil monetary penalties. 

Refer potential CFAA violations to the Department of Justice for criminal prosecution.

Supporting Details : XXXX is not listed as a DoE-authorized loan servicer or partner. Their unauthorized access to sensitive student loan data undermines consumer trust and violates federal safeguards. Affected borrowers face risks of identity theft, fraud, and improper debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NJ

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. If they can not be canceled, at least removed from the credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
Today, I came across inaccurate accounts listed on my credit report, which was unexpected and confusing. I routinely check my report, but this time there were unexplained discrepancies. I tried reloading the page in case it was a glitch, but the errors persisted. Therefore, I respectfully ask that the documents Ive submitted be reviewed closely so I wont have to continue worrying about 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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-20 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
XXXX in school full time, I transferred from a community college to a university to finish my XXXX XXXX. I had a XXXX week break between the spring and summer semesters. Sallie Mae is demanding I pay my student loan for the month of XXXX. They have continuously called and harassed me while XXXX at work and in class. For example, they called me XXXX times today. I have told them multiple times that I am a student. I gave them my student ID number, class schedule, and even submitted a form to my University of proof of enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Upon reviewing my recent credit report, I discovered unauthorized accounts and/or inquiries that I did not initiate or authorize.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Remedies Dear XXXX  and Experian, I am writing to formally dispute and demand the permanent deletion of the following accounts from my consumer credit file, which continue to report inaccurately, incompletely, or in violation of federal law despite previous reinvestigation results from XXXX  indicating the accounts are not currently reporting or contain errors : XXXX. XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX You are hereby notified that continued reporting of these accounts constitutes willful noncompliance under the FCRA, 15 U.S.C. 1681n, and negligent noncompliance under 1681o, as well as potential violations of the FDCPA. Equifax has already verified these accounts are no longer reporting or were previously disputed and corrected. However, if you continue to publish false, misleading, or unverifiable information to third parties, I will initiate legal proceedings without further notice.

As required under 15 U.S.C. 1681i, you have a duty to delete or correct any inaccurate or unverifiable information after reinvestigation. By failing to do so, you risk a lawsuit seeking {$1000.00} per day, per violation, as well as actual damages, emotional distress, punitive damages, attorney 's fees, and court costs. 

You have XXXX XXXX from the date of this letter to remove the disputed accounts from my file and issue written confirmation. Should you fail to comply, I will not hesitate to pursue civil action in accordance with the rights afforded to me under federal law. 

This is your final warning. 

Sincerely, XXXX XXXX [ XXXX Last XXXX : XXXX [ Date of Birth : 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 explanation
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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