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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the reporting of my federal XXXX loans on my credit report and requesting a full discharge due to a serious breach of my personal and financial information. My records were compromised without my authorization, which constitutes a violation of multiple federal laws designed to protect XXXX  data and personal privacy. Given these circumstances, I request the immediate removal of these loans from my credit report. Below are the key reasons supporting my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My XXXX records were disclosed without my consent, violating FERPAs strict confidentiality protections.

Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared
without my authorization, violating my privacy rights under federal law.

Violation of the Higher Education Act : As a student loan borrower, my information should have been safeguarded. However, the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for protecting my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : My personal borrower information was shared with unauthorized entities XXXX XXXX, further compromising my privacy. 
Due to these violations, I am requesting the immediate removal of these student loans from my credit report. Please conduct an investigation into this matter and provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this serious matter. I look forward to your response within the timeframe established under the Fair Credit Reporting Act ( FCRA ). If additional information is required, please contact me at the details provided above. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
To my frustration, I found an unauthorized inquiry on my credit report this morning, which was never there before. I always check my report, yet this time, I was met with an unexpected and distressing discrepancy. Hoping it was just a system error, I refreshed my browser, but the issue persisted. I need this resolved immediately, and I insist that my documents be reviewed carefully so I no longer have to deal with this stress.

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: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: OH

Complaint narrative:
These people have scammed me for my XXXX and will not return my money. I keep calling them to return my money, and they have not. This was a pending charge that should have never went through XXXX XXXX, Thank you for applying for a First Progress Mastercard! We have received your fully refundable* security deposit. 

This is a confirmation that on XX/XX/year> you authorized a Debit payment of {$2000.00} dated on or after XX/XX/year>. This payment will be taken from your account ending in XXXX and applied to your First Progress account.

If your application is not approved, we will return your security deposit to you. If you have questions about this notice or your payment, please contact us at ( XXXX ) XXXX. 
The First Progress Team *The deposit will be refunded at account closing if the account is up to date with no outstanding fees or charges. See Important Disclosures provided within the application for additional details. 

You are receiving this email from First Progress Card in accordance with our service agreements. Please do not reply directly to the automatically generated email message as it will not be read by a representative.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Per section 605 b under the Fair Credit Reporting Act the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my rights to have fraudulent information blocked and permanently removed from my credit report within 4 days from the date of receipt of this letter I request the removal of all these unauthorized inquiries due to identity theft

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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
When I moved some of my persona information came to old address with my personal information Things were opened in my name and the charges were made with the card for small amounts then closed the account without any payments. I asked to see a contract I signed. Accounts open on line I didnt find out until I tried to get credit for something

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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2025-02-26 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: NY

Complaint narrative:
I have several hard inquiries that are not mine. I did one hard inquiry in XXXX. I have not applied for anything in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
If you look at the credit reporting in XXXX and other credit bureaus my account was opened on XX/XX/XXXX. XXXX XXXX is the first reporting so they have failed to report all of those on time made payments from XXXX. XX/XX/XXXX my payment was made on time and not reported. XXXX and XX/XX/XXXX payments were made on time and not reported. XX/XX/XXXX I was reported over 30 days past due when in the previous months from XXXX XXXX the whole account was under dispute and in XX/XX/XXXX they reported me as 30 days past due when they received payment for XXXX on time and in full. This company also used robocalls to try to collect during that time period. One of their agents put a cease and desist on my account as a retaliatory action for me escalating to a supervisor which hurts the agents score card. They did not investigate as requested and did not give me an answer in the 30 day time period by law. This company has broken the FCRA and the FDCPA many many times. This is not a duplicate complaint this is an ongoing issue that has never been resolved. This company is also reporting the debt wrong they report the balance but not the {$4600.00} credit limit that my desktop from their account of mine shows the balance and the credit limit of {$4600.00}. Their reporting results in the attached picture showing that I am using 120 % of my credit limit which is false. I dont owe any of this debt due to breech of contract, broken terms, never received my second welcome gift, and one of their agents made changes to my account without my knowledge or consent, I asked for that call to be pulled the day it happened and they did not comply.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XXXX XX/XX/XXXX {$54000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$510.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with 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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was about to place an order so I went to my navy federal account to unfreeze my card and I could not, kept getting message We're having trouble displaying your information. Please try again later. This started at XXXX. I kept trying over and over then I went on the website at XXXXXXXX XXXX and the website showed an exclamation mark with no message and would not let me unfreeze my card as well. At XXXX I called navy federal automatic line and the system could not unfreeze my card. I waited for a call back from a agent and the agent called back and I spoke with them at XXXX XXXX  and they told me they could not unfreeze my card as well that it was a system issue that not even their system could unfreeze my card so I asked her ( the agent ) is she saying there is no way I can access my money? Why? And when will this be fixed? The agent said yes she is saying I can not access my money until they fix their system issue but they have no estimated repair time and were told to just apologize to customers. This is the 2nd time I have had an issue accessing my money with navy federal. This should be against the law it has been over 30 minutes and I still have no access to my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: UPGRADE, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Uplift, due to reporting my account 30-59 days late. The company stated my due date was XX/XX/XXXX but I received a text and email stating final payment was due XX/XX/XXXX, which the payment was made XX/XX/XXXX. The company agreed that caused confusion, therefore, they decided to remove the negative reporting completely from my credit report. A few weeks ago it was removed but was added back on XX/XX/XXXX to my credit reports. I hope this matter can be resolved.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days.

Please remove the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX  ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to express serious concerns about inaccuracies in my credit report. Upon review, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently require your assistance in resolving them.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XXXX XX/XX/XXXX {$54000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$510.00} UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-26 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I bought a used car at XXXX XXXX on XX/XX/year>. They never informed me the car title was salvage and scrapped. Last month the car turn the airbags light and I took it the XXXX XXXX because that was under the main Dealer warranty and fing out the car had a salvage and scrapped title. Do not have air bags and other safety requiment, because it was rebuild after being considered total lost. I went back to XXXX three times and they never answered my questions and concerns. They try to show surprace with that title information and yesterday when I went there for the third time they show me the car title for the first time that said salvage and rebuild showing me they were aware of it the entire time and just scam me as a customer never informing me the real condition of the vehicle.

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 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: FL

Complaint narrative:
I am a victim of identity theft due to a data breach.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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