vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/25 Subject : Request for Deletion of Student Loan From My Credit Report Due to FERPA Violation To Whom It May Concern, I hope this letter finds you well. I am writing to request the deletion of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). The violation concerns unauthorized disclosure of educational records or failure to protect my privacy rights.

As you are aware, FERPA ensures that a students education records are kept confidential and are only shared under specific conditions. My FERPA was violated, such as unauthorized release of my personal information, discrepancies in amounts owed, disclosure to third parties without consent. 


This breach has caused significant harm, including mismanagement of my loan, impact on my credit, and unauthorized access to personal information. 

Given the violation of my privacy rights under FERPA, I respectfully request the deletion of my student loan ( XXXX ) associated with the accounts name : DEPT OF EDUCATIONXXXX  Account number XXXX. 
Amount : {$2200.00} Amount : {$3400.00} Amount : {$1800.00} Amount : {$3800.00} Amount : {$4900.00} Amount : {$2300.00} Amount : {$2300.00} Amount : {$5800.00} Amount : {$3500.00} Amounts : {$1800.00} Amount : {$3700.00} Amount : {$7200.00} Amount : {$2400.00} XXXX trust you will understand the severity of this matter and take appropriate action to resolve it promptly. 

Please confirm receipt of this letter and notify me of the actions taken. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution of my request. 

Sincerely, XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/25 Subject : Request for Deletion of Student Loan From My Credit Report Due to FERPA Violation To Whom It May Concern, I hope this letter finds you well. I am writing to request the deletion of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). The violation concerns unauthorized disclosure of educational records or failure to protect my privacy rights.

As you are aware, FERPA ensures that a students education records are kept confidential and are only shared under specific conditions. My FERPA was violated, such as unauthorized release of my personal information, discrepancies in amounts owed, disclosure to third parties without consent. 


This breach has caused significant harm, including mismanagement of my loan, impact on my credit, and unauthorized access to personal information. 

Given the violation of my privacy rights under FERPA, I respectfully request the deletion of my student loan ( XXXX ) associated with the accounts name : DEPT OF EDUCATIONXXXX  Account number XXXX. 
Amount : {$2200.00} Amount : {$3400.00} Amount : {$1800.00} Amount : {$3800.00} Amount : {$4900.00} Amount : {$2300.00} Amount : {$2300.00} Amount : {$5800.00} Amount : {$3500.00} Amounts : {$1800.00} Amount : {$3700.00} Amount : {$7200.00} Amount : {$2400.00} XXXX trust you will understand the severity of this matter and take appropriate action to resolve it promptly. 

Please confirm receipt of this letter and notify me of the actions taken. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution of my request. 

Sincerely, XXXX XXXX Account # 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 2025-03-15 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: NV

Complaint narrative:
On my background check my information is inaccurate. It does not say how my case was concluded. The XXXX counts of destruction of property case. This has prevented me from obtaining a job and currently an employer that has hired me requires that my background check be accurate.

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: HI

Complaint narrative:
I am really annoyed and upset by this! 
I recently was approved for an Upgrade XXXXCard that had a promised {$200.00} account credit with linked checking account. 
I have contacted their support multiple times to no avail telling them exactly what my problem is each time and it's like they aren't even reading my emails and are functioning from general scripts! 
I had a checking and savings account on my other phone linked to its number that I wanted merged to my credit cards account. I am a technical person and I know, especially after trying everything they said to do, that they must have a backend technician merge the accounts by removing the email in the account with the bank accounts to the one with the credit cards. I can't do it because these are XXXX different iterations of Upgrade accounts in their system. I tried and I received all kinds of errors and I know exactly what is going on. Trying to get this done through the generic support line is like talking to a brick wall... it's so frustrating! 

Because this has taken so long and still hasn't been fixed the XXXX  day period for my {$200.00} sign up incentive has passed, but I don't deserve to lose that because this isn't my fault!! 

Attached are copies of multiple email conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights and confidentiality under XXXX XXXX. XXXX. 

Accounts in question : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX  day delinquent I reviewed my Experian credit report and noticed discrepancies that indicate inaccurate reporting. Under XXXX XXXX. XXXX ( b ), consumer reporting agencies must ensure the maximum possible accuracy of any information they furnish about consumers. However, the reporting of the above accounts has violated these standards. 

Additionally, under XXXX XXXX. XXXX ( a ), if a consumer disputes the accuracy of information, the credit bureau must conduct a reasonable reinvestigation within XXXX  days. If the information is found to be inaccurate or unverifiable, it must be promptly deleted or modified to reflect the correct status. 

Further, per XXXX U.S.C. XXXX, furnishers of credit information are prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute. Since Experian and the data furnishers have failed to correct these inaccuracies, they are in direct violation of the FCRA.

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 2025-03-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-15 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

Complaint narrative:
I have a cash app account that's new and I don't see my government funds or my backpay from the XXXX people. They said it should be on there within XXXX to 5 days and I still don't see any of it. Then the cash app account is charging me for stuff I never asked for or signed up for either so I really need help with this. They owe me a lot from last year to this year and they not doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
These credit inquiries that I do not know about on my report, I believe that my identity has been stolen and some type of way or in a data breach. I would like to remove these inquiries from my 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 non-monetary relief
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
I am writing to formally dispute the presence of an unauthorized XXXX collection account on my credit report, which has been inaccurately reported by [ Collection Agency Name, if available ] to Experian. Despite multiple disputes filed with Experian, the account remains on my report, and I believe the verification process used by the credit reporting agency is inadequate and noncompliant with federal law.

Issues with the Account : This is not my account : I have no knowledge of this debt, nor have I received any prior communication regarding it.

Lack of proper debt validation : Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), a credit bureau must conduct a reasonable investigation when a consumer disputes an account. Simply verifying the debt with the furnisher ( XXXX or the collection agency ) without providing me with substantive proof of my obligation does not meet this standard. 
Possible violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) : If the collection agency is reporting this debt, they are required to provide proper validation upon request. Since I never received any initial notice or verification, I believe my rights under the FDCPA have been violated.

Potential violation of the FCRAs accuracy requirements : Per FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers must report only accurate and verifiable information. If XXXX or its collection agency can not provide evidence proving this debt belongs to me, they are reporting inaccurate information, which is unlawful.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have unknown inquiry on the account u dont know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-03-15 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: PA

Complaint narrative:
I asked XXXX and Equifax and transunion to verify this debt and I reported that the debt was not valid or my debt. That there were inaccuracy with these debts. They have not provided me with any documentation on how they investigated them. I explained the law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Until these debts are validated I asked them to 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 explanation