vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NC

Complaint narrative:
I was notified that my credit profile was part of the SSN leak and Equifax data breach. Due to this data breach, I have attached a document with all the accounts that need to be removed immediately as it has a negative impact on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

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 non-monetary relief
Consumer complaint received 2025-02-26 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. 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 explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: IL

Complaint narrative:
Recently, employees of DOGE hacked into the financial database of the Department of Education and had access to my private information. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA. Your responsibility is to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Improper access/disclosure of my educational records and personally identifiable information ( PII ) without my prior written consent. Specifically, my academic records, Free Application for Federal Student Aid ( XXXX ) data, including financial aid history and loan information, and IRS tax transcripts were accessed and disclosed without authorization. 
XXXX. XXXX Records Disclosed : Academic records, XXXX data, IRS tax transcripts. 
XXXX. Date of XXXX : XX/XX/year>. 
XXXX. How Disclosure Occurred : Unauthorized access and improper disclosure by the XXXX Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Involved Parties : XXXX staff and third-party individuals with unauthorized access to Treasury Department XXXX XXXX 
XXXX. Circumstances : The breach occurred due to unauthorized individuals gaining access to confidential data through the DOE and XXXX ( XXXX XXXX and his Designated Associates ) without my knowledge or consent. 
XXXX. How and When I Became Aware : Public news articles and legal investigations revealed the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: CA

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 XXXX 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 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previous disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several times and years ( since XXXX to be more clear ) speaking with the TransUnion to dispute some records which been distributed by credit bureau to the several companies prior either new rental lease either purchase a vehicle and/or simple to purchase any property who requested for the Consumers Credit background clearance and used ONLY TransUnion credit bureau and TransUnion produced records which constantly putting me out of any better environment living choices, individual vehicle and/or property purchase as main residency/vacation residency as most Americans do have according not only Federal statistics but local States government too. I find it not only as discriminatory action as selective in corrupted way to produce and maintenance of personal records with data base but abusing XXXX  distributing funds to certainly families and individuals and threatening my civil rights for the cozy, comfortable living and XXXX of life as XXXX individual already by now with XXXX and even distribute wrongful information to other XXXX credit bureaus like XXXX and XXXX what I find very insulting, offensive as valued customer and neat Taxpayer since XXXX and abused by IRS inaccuracy since XXXX already but XXXX in my favor by XXXX XXXX XXXX XXXX ( how household with the very very low annual income average XXXX XXXXXXXX is never allowed for the first time for any financial support in a stage of financial hardship in meantime as so much wasted money in amounts of XXXX around.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate and unauthorized loan reported under my name by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education . This error has significantly impacted my financial standing, and I am requesting immediate investigation and corrective action. 
Concerns Regarding Data Privacy : I also have reason to believe that my personal and financial information may have been improperly accessed or shared. Given recent reports involving XXXX XXXX alleged involvement with the Department of Education, I am concerned about unauthorized data access. I request an investigation into whether my personal data has been shared with third parties and what security measures are in place to protect it.

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 2025-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Improper use of inquiries, never authorize any inquiries to be conducted under any circumstances please have them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a member of AMEX XXXX for XXXX and recently they began arbitrarily, or algorithmically changing credit balances if there are returned payments, even though most recently it was a second payment, before the due date of XXXX XXXX, after paying XXXX XXXX. 

My bank rejected the payment because they had placed a fraud alert on the account, and because AMEX retry 's automatically XXXX times, on the second attempt, also rejected for the same reason, they took {$30000.00} of credit availability away. 

Because of this my XXXX XXXX went down XXXX, and because this is my only credit card my credit card usage is showing above 300 %, which further negatively impacts my ability to increase credit on AMEX or get credit from other cards, where I could hopefully decrease my usage. 

This puts my in XXXX as a consumer, and I've used my card monthly up to XXXX XXXX and consistently paid it off. Any issues with payments have not been egregious and I am so hurt by this as it takes years of work getting my score up away overnight. 

They claim many factors contribute to their " decision '' but we know it's an algorithm and this can change daily, making it very difficult to manage cash, especially if I am making such large payments. 

For a credit card company which requires full payment, and advertising unlimited spending, this drastic, abrupt change in available credit without warning is borderline criminal, and I'd beg to think something is drastically wrong with the algorithm. 

This insults my dedication to AMEX, reduces my ability to raise children, and sometimes can happen while I'm traveling and at times I've been forced to stay in friends homes or have been stranded with nowhere to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Reporting differently on all credit agencies- payments should show that they are all on time. XXXX XXXX XXXX- This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. MIDLAND CREDIT MANAGEM- This company is reporting misinformation which is not consistent on all 3 credit bureaus. this is not my account and should be deleted. XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. XXXX XXXX- This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. XXXX XXXX XXXX XXXX this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. XXXX XXXX- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I am XXXX years into Bankruptcy and have not added any debt. I have no credit cards, and all account are in good standing. 
I got a call and the caller gave me my correct last XXXX of my social and told me my home address and gave me my wife 's name. without me giving any info. 
then the caller insisted there was an official letter sent out twice ... once in XXXX on the XXXX of XXXX and again in XXXX on the XXXX of XXXX. I said I never got them. they said I was being served and wanted to make sure I was home to sign .... which I found odd since served papers don't really need a signature. Then the letters XXXX. were said to me, and that's when I said I filled bankruptcy XXXX years ago and I am still in the middle of that. They said they were freezing my bank account and all that which is when I knew for sure they were scamming me. 
But they did have some of my information. 
the caller began to negotiate an amount with me .... 

I said to the caller, I was giving this info to my attorney to confirm ... then the caller hung up. 

the phone number that called me was ... XXXX the phone number that I had to call, cause the call dropped was... XXXX then they gave me a case number... XXXX I need to secure my data now since they have my info without me giving it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
Dear Global Payments or New Owner Please send me a copy of my credit report and also advise me of how my information was obtained and placed a security freeze on my account so that its not shared with any third-party. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account was charged off on XX/XX/XXXX, after becoming over XXXX days past due. This account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ( this goes to present ). Please prove that this account was in fact able due for a payment on those dates.

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