vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
To Whom It May Concern and the Department of Education I am writing to formally dispute multiple violations related to my student loan account, including unauthorized access, improper loan reporting, and unlawful restrictions on my repayment options. These violations have directly impacted my financial standing and legal rights under federal law. 

XXXX. **Data Breach and Privacy Violation** It has come to my attention that XXXX XXXX  and other sources has accessed my student loan information, which constitutes an unauthorized disclosure and a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) . This breach has compromised my personal financial data, violating my right to privacy under federal law. Furthermore, XXXX has reported that my private loan details have been improperly handled, further exacerbating these violations. 

XXXX. **Illegal Restrictions on Forbearance and Deferment** I have been informed that XXXX XXXX has stated that forbearance and deferment are not permitted. This is in direct violation of the Higher Education Act, which explicitly provides borrowers with the right to request forbearance or deferment under qualifying circumstances. Denying me these legal options violates my rights as a borrower and imposes undue financial hardship.

3. **Unlawful Late Payment Reporting** My student loan servicer has reported late payments without proper notification, which is a violation of 15 U.S.C. 1666 ( b ) and the Fair Credit Reporting Act ( FCRA ). Under these regulations, I must be given adequate notice before any negative information is furnished to credit bureaus. The failure to adhere to these requirements has caused unnecessary damage to my credit profile. 

Given these serious infractions, I request immediate corrective action, including : - A full investigation into the unauthorized access of my student loan records. 
- The immediate correction of any inaccurately reported late payments and the removal of any negative marks resulting from the improper reporting. 
- Restoration of my right to request forbearance or deferment in accordance with federal law. 
- Written confirmation of the steps taken to address these violations within 30 days of receipt of this letter. 

If these issues are not resolved promptly, I will explore further legal options, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Justice. 

Please consider this letter a formal dispute under the Fair Credit Reporting Act and other applicable federal regulations. I expect a response addressing these matters at your earliest convenience.

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 2025-04-03 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: FL

Complaint narrative:
To Whom It May Concern and the Department of Education I am writing to formally dispute multiple violations related to my student loan account, including unauthorized access, improper loan reporting, and unlawful restrictions on my repayment options. These violations have directly impacted my financial standing and legal rights under federal law. 

XXXX. **Data Breach and Privacy Violation** It has come to my attention that XXXX XXXX  and other sources has accessed my student loan information, which constitutes an unauthorized disclosure and a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) . This breach has compromised my personal financial data, violating my right to privacy under federal law. Furthermore, XXXX has reported that my private loan details have been improperly handled, further exacerbating these violations. 

XXXX. **Illegal Restrictions on Forbearance and Deferment** I have been informed that XXXX XXXX has stated that forbearance and deferment are not permitted. This is in direct violation of the Higher Education Act, which explicitly provides borrowers with the right to request forbearance or deferment under qualifying circumstances. Denying me these legal options violates my rights as a borrower and imposes undue financial hardship.

3. **Unlawful Late Payment Reporting** My student loan servicer has reported late payments without proper notification, which is a violation of 15 U.S.C. 1666 ( b ) and the Fair Credit Reporting Act ( FCRA ). Under these regulations, I must be given adequate notice before any negative information is furnished to credit bureaus. The failure to adhere to these requirements has caused unnecessary damage to my credit profile. 

Given these serious infractions, I request immediate corrective action, including : - A full investigation into the unauthorized access of my student loan records. 
- The immediate correction of any inaccurately reported late payments and the removal of any negative marks resulting from the improper reporting. 
- Restoration of my right to request forbearance or deferment in accordance with federal law. 
- Written confirmation of the steps taken to address these violations within 30 days of receipt of this letter. 

If these issues are not resolved promptly, I will explore further legal options, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Justice. 

Please consider this letter a formal dispute under the Fair Credit Reporting Act and other applicable federal regulations. I expect a response addressing these matters at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a technical glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I have submitted so that I no longer have to worry about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
In our last CFPB Complaint Cavalry claims they sent over a " Letter '' validating this debt. That is a false statement. The only thing I received was several statements with blacked out information on it that was not helpful to me nor would it be helpful to anyone in my opinion to validate this debt. I doubt that anyone would be able to verify anything not being able to see crucial information needed. 

They also stated in the letter that response that the address used in my CFPB Complaint was the very same as the one on the account, and that is also false. Their XXXX completely different addresses. 

The statements they provided were dating back to XXXX and the address was in XXXX I lives in PA in XXXX NOT XXXX and as I was reviewing said statement the last activity on the account was in XXXX and if I am not mistaken the state of PA has a 4 year statue of limitation on a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$5200.00}

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 2025-04-03 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX XXXX XXXX  ] [ XXXX ] XXXX : [ XXXX XXXX XXXX  XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your

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 2025-04-03 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Kikoff Inc.
State: OH

Complaint narrative:
I need my XXXX to match XXXX report all of the negative items are either fraud or incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Self Financial Inc.
State: OH

Complaint narrative:
I need my XXXX to match XXXX report all of the negative items are either fraud or incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XXXX XXXX XXXX XXXX To whom this may concern, Subject : Dispute of Inaccurate Inquiries on Credit Report I am writing to formally dispute several inquiries listed on my credit report that I believe to be inaccurate and not authorized by me. The following inquiries are in question : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX I have not authorized any of these inquiries, and they do not reflect my credit activity. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 

Under Section 607 of the FCRA, credit reporting agencies must ensure the maximum possible accuracy of the information they provide. These inquiries constitute a violation of that requirement, as they are not associated with my credit activity and may adversely affect my creditworthiness. 

I kindly request that you investigate these inquiries and remove them from my credit report. Please provide me with a written confirmation of your findings and the actions taken. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, 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 2025-04-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XXXX XXXX XXXX XXXX To whom this may concern, Subject : Dispute of Inaccurate Inquiries on Credit Report I am writing to formally dispute several inquiries listed on my credit report that I believe to be inaccurate and not authorized by me. The following inquiries are in question : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX I have not authorized any of these inquiries, and they do not reflect my credit activity. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 

Under Section XXXX of the FCRA, credit reporting agencies must ensure the maximum possible accuracy of the information they provide. These inquiries constitute a violation of that requirement, as they are not associated with my credit activity and may adversely affect my creditworthiness. 

I kindly request that you investigate these inquiries and remove them from my credit report. Please provide me with a written confirmation of your findings and the actions taken. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and I recently reviewed my credit report. I noticed an issue with the account listed as XXXX XXXX, which is not reporting correctly. The report indicates four late payments, which is inaccurate. I consistently pay on time, as my accounts are set to AutoPay. It is essential for consumer reporting agencies to ensure all information is reported accurately, and in this case, this account should not reflect any late payments. I tried to fix this with all XXXX credit reporting agencies TransUnion, Equifax, Experian and they refuse to resolve this. The report shows the following late payment records : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days ) These inaccuracies keep my credit score down and prevent me from growing in life as a man. Please take the necessary action to correct this and comply with the law under 15 USC 1666b. I would appreciate confirmation once the corrections are made. I have already created an FTC as well. FTC Report NumberXXXX I also noticed an issue with the account listed as XXXX XXXX, which is not reporting correctly. Two inaccurate reporting and needs to be updated please. 

XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

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