vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request. Violation of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( XXXX ) My student records were disclosed without my consent, violating XXXX 's strict confidentiality protections. Breach of the PRIVACY ACT 1974 ; My personal and financial information was improperly accessed and shared without my authorization. Violation of the HIGHER EDUCATION ACT ; as a student loan borrower, my information should have been protected. The mishandling of my data demonstrates a failure to uphold these legal protections. BREACH OF CONTRACT AND NEGLIGENCE ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

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 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request. Violation of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( XXXX ) My student records were disclosed without my consent, violating XXXX 's strict confidentiality protections. Breach of the PRIVACY ACT 1974 ; My personal and financial information was improperly accessed and shared without my authorization. Violation of the HIGHER EDUCATION ACT ; as a student loan borrower, my information should have been protected. The mishandling of my data demonstrates a failure to uphold these legal protections. BREACH OF CONTRACT AND NEGLIGENCE ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

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 2025-07-29 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 formally dispute my federal student loans and request a full discharge due to serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request. Violation of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( XXXX ) My student records were disclosed without my consent, violating XXXX 's strict confidentiality protections. Breach of the PRIVACY ACT 1974 ; My personal and financial information was improperly accessed and shared without my authorization. Violation of the HIGHER EDUCATION ACT ; as a student loan borrower, my information should have been protected. The mishandling of my data demonstrates a failure to uphold these legal protections. BREACH OF CONTRACT AND NEGLIGENCE ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this Breach : Account Name 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received notice that I owe XXXX XXXX XXXX {$1000.00} in regards to the Following Two Account Numbers # XXXX and XXXX. In addition according to Jefferson Capital Systems I owe them {$410.00} in regards to account # XXXX I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA Fair Debt Collection Practice Act. Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812. 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 This added stress is creating a hardship on me and my family. they told I have no rights and they are exempt from these laws.

I hereby reserve all rights without Prejudice Pursuant to UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Hi, hows it going? I have an account thats a collection that recently just got on there Creedence mana and I was gon na ask you guys if I just talked to them today and I pay them off to the XX/XX/year> and I was gon na ask if you guys can remove it out of my credit score since I pay them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am a XXXX XXXX with American Express. I had a trip interruption due to illness and submitted a claim under the travel insurance benefit included with the XXXX XXXX. 

The claim was denied because the airfare was paid using XXXX eligible American Express XXXX cards ( XXXX initially booked on my husbands XXXX card before I had my own, and the remainder paid on my own Platinum card after activation ). The insurer XXXX New Hampshire XXXX XXXX XXXX XXXX that because the full cost of transportation by common XXXX was not charged to a single eligible card in my name, the trip was not a Covered Trip. 

I appealed the denial, clarifying that : I was an eligible XXXX XXXX at the time of travel and at the time of the interruption. 

The entire trip was paid using only eligible American Express XXXX cards under the same XXXX XXXX. 

The denial is based on an overly rigid interpretation of the policy language and does not reflect the purpose or spirit of the advertised benefit. 

After appealing directly with the insurer, the denial was upheld. I then attempted to escalate the matter to American Express XXXX Relations by sending multiple emails and a formal mailed letter, but I have received no response after several weeks. 

I am seeking : A review and response from American Express directly. 

Assistance ensuring benefits promoted to XXXX cardholders are honored in good faith when eligible cards were used. 

The issue is not about the dollar amount alone but about the way benefits are being administered and XXXX XXXX lack of response to my escalation attempts. 

I am requesting that American Express provide a formal written response and reconsideration of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts # XXXX XXXX XXXX XXXXXXXX, has violated my rig. hts. # Investment Retrievers Attached is proof inaccurate information submitted and update to All three bureaus. 

Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. 
No payments were made as of XX/XX/XXXX and XXXX wlth the was XXXX XXXX and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. 

The account is beyond 7 years delinquency. And information is not accurate. 

Recieved Experian Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts XXXX XXXX XXXX  XXXX XXXX, has violated my rig. hts. # Investment Retrievers Attached is proof inaccurate information submitted and update to All three bureaus. 

Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. 
No payments were made as of XX/XX/XXXX and XXXX wlth the was repo 'd and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. 

The account is beyond 7 years delinquency. And information is not accurate. 

Recieved XXXX Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The XXXX of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rig. hts. XXXX XXXX XXXX Attached is proof inaccurate information submitted and update to All XXXX bureaus. 

Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. 
No payments were made as of XX/XX/XXXX and XXXX wlth the was XXXX XXXX and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. 

The account is beyond XXXX  years delinquency. And information is not accurate. 

Recieved XXXX Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX. XXXX ( a ) ( XXXX ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain credit.

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 2025-07-29 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-29 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
XXXXIt says I owe and I never even started school and Ive been 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX'It says I owe and I never even started school and Ive been XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and 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 non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief