vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: KY

Complaint narrative:
1. XXXX XXXX XXXX Collections Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
2. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
3.XXXX XXXXXXXX XXXX Account XXXX XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 4. XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 5. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account In accordance with the law mentioned above, I request that you provide all documents with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personnel you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected.

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 2025-03-13 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my account was forcibly closed. Support has not provided me any clear information on how they will return my funds to me. Currently {$680.00} is being held in the account unable to be retrieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I received a letter from Helvey & Associates Inc in XXXX requesting payment ( in collections ) for a XXXX XXXX XXXX that I never received and I am dealing with identity fraud/theft issues. I have mailed them a formal request for the proof of the original billing statement and have NOT received, yet received another collection notice in the mail today. XX/XX/year> stating I need to pay this by XXXX. I will refuse to pay until they send me the formal information I have requested. 

If not, they need to stop collections on this account and send it back to XXXX XXXX so they can provide me with that information. 

Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX attempting to collect {$3000.00} on behalf of USAA for an accident that occurred in XX/XX/XXXX. I had purchased full damage waiver coverage from XXXX, which means that XXXX assumed full liability for any damages. Therefore, XXXX is attempting to collect a debt that is invalid because I am not liable for any costs associated with the accident. In addition to the collection attempt, I also received a letter from Homeland Security stating that my license may be revoked due to this claim, which is completely based on the invalid debt. I am requesting that XXXX cease all collection efforts immediately, and that Homeland Security confirm in writing that no action will be taken against my license due to this false claim. I also ask that a resolution be reached confirming that I am not liable for the debt XXXX is attempting to collect.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: NC

Complaint narrative:
A negative pay status was filed on my credit report for a supposed unpaid medical bill for the amount of XXXX $ by a collection agency for a hospital bill. I was submitting small payment amounts but obviously not fast enough to their liking. The hospital then closed the account that is shown as active for 3 months and submitted it to collections and now its posted on my credit report as a 'loan ' not paid. I never took out a 'loan with any hospital or doctor ' to pay a bill. This is not a LOAN people and it should not be reported on a person 's credit as a loan. It's a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a formal dispute against XXXX  regarding multiple inaccurate and inconsistent reports of a closed account that is being reported differently across the three major credit bureaus. These errors are violating the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my credit profile at a time when I am in the process of securing home financing. This account is closed, yet the three credit bureaus report different statuses : XXXX reports it as open, which is inaccurate. XXXX correctly reports it as paid. XXXX reports it as closed. The same account is being reported under different account numbers across the three credit bureaus, which is misleading and violates FCRA accuracy requirements. XXXX is reporting a $ XXXX  monthly payment and a {$920.00} balance on a closed account, which is inaccurate. A closed account should reflect a {$0.00} balance and no monthly payment. The payment history for this account is inconsistent across the credit bureaus, further confirming data integrity issues in reporting. The multiple inaccuracies in this accounts reporting violate several provisions of federal consumer protection laws, including : 15 U.S.C. 1681s-2 ( a ) Creditors must report only accurate and complete information and correct any errors. 15 U.S.C. 1681c ( a ) ( 5 ) A closed account should not be reported as open or have a balance and monthly payment obligation. 15 U.S.C. 1692e ( 2 ) ( A ) Prohibits misrepresentation of a debt amount, character, or legal status ; reporting different account numbers and inconsistent payment history across bureaus is misleading. 15 U.S.C. 1681s-2 ( b ) Creditors are required to correct inaccurate or incomplete information with credit bureaus after a dispute, which XXXX  has failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed top protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : -Family Educational Rights and Privacy Act ( FERPA ) : Ensure the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

-Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student loan data. 

-Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 

-Breach of Contract : The unauthorized Sharing of student loan borrowers ' persaonl and financial information with third parties, including XXXX XXXX XXXX Constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process.

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 2025-03-13 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: OH

Complaint narrative:
I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed top protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : -Family Educational Rights and Privacy Act ( FERPA ) : Ensure the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

-Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student loan data. 

-Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 

-Breach of Contract : The unauthorized Sharing of student loan borrowers ' persaonl and financial information with third parties, including XXXX XXXX XXXX Constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed top protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : -Family Educational Rights and Privacy Act ( FERPA ) : Ensure the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

-Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student loan data. 

-Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 

-Breach of Contract : The unauthorized Sharing of student loan borrowers ' persaonl and financial information with third parties, including XXXX XXXX XXXX Constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
XXXX XXXX has been able to access my private information without my consent. I request that my loans through Mohela/Student Aid be forgiven due to violating my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
XXXX XXXX violated my privacy by accessing my private data through Department of Education.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; 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 I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; 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 I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

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 2025-03-13 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 non-monetary relief
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I AM A VICTIM OF XXXX XXXX. SOMEONE HAS BEEN USING MY IDENTITY FRAUDULENTLY TO OBTAIN SERVICES AND GOODS. I AM WILLING TO WORK WITH LAW ENFORCEMENT TO CAPTURE THE INDIVIDUAL RESPONSIBLE FOR THESE FRAUDULENT ACTIONS.

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 2025-03-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Rental screening showing Judgement that is going through litigation. Company reporting is Experian XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation