vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of the data breached and filed and Identity Theft report which is attached. I was advised to review my credit report where I found a number of incorrect information related to my personal information. I also see a credit card from XXXX XXXX that is not mine, please remove this information and update my report. 

My name should be listed as XXXX XXXX only. My employer is XXXX XXXX XXXX and no other company. My address is XXXX XXXX XXXX XXXX XXXX it has been that for XXXX  years. Please remove XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries Found - XXXX XXXXXXXX XXXX and XXXX XXXX XXXX account number 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Its incredibly upsetting to see my credit report filled with false, incorrect, and inaccurate information. Ive worked hard and lived honestly, yet the reality Im facing is far from fair. As a consumer, I know I have rights and protections under the law, but its disheartening to feel like those rights are being ignored. The impact on my life and credit has been devastating. Im constantly denied credit applications, stuck in a cycle of financial struggle, and the XXXX  is overwhelming. Im tired of living paycheck to paycheck while these damaging errors remain on 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I called Mountain America Credit Union XXXX  and Requested detailed terms for their XXXX CD products but the Rep I spoke with was unable to provide any terms. There are no terms available on the website. I was told that I was able to see the terms only after I opened an account and deposited money. I explained that this is not acceptable. I asked to speak with a XXXX several times but was not able to. I also sent the following email to Mountain America Credit Union : XXXX. I am interested in your XXXX CD products but I can not find your detailed CD terms. I called your bank and the rep also can not find the terms documents. I find this very concerning. Don't customers request the terms before applying for CDs? 
Please email me the FULL terms ASAP for both CD products. 
Thank you, XXXX XXXX  Unfortunately, I may or may not receive terms by email but the rates change every day so this is not an acceptable way to receive the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the inaccurate and inconsistent reporting of my credit report by TransUnion and Experian regarding an XXXX XXXX account. I am concerned that both bureaus are in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), by failing to correct this error. 

XXXX has already accepted to delete the disputed XXXX XXXX account from my credit report, as confirmed in their official response. However, TransUnion and Experian have refused to delete the same account, resulting in clear inconsistency and inaccuracy between the reports from the XXXX major credit bureaus. This discrepancy suggests a failure to maintain accurate and uniform data, which violates the XXXX XXXX requirement for accurate reporting. 

Additionally, I have serious doubts about the investigation and verification processes conducted by TransUnion and Experian. Given that XXXX has already resolved the issue by removing the account, I question the thoroughness and fairness of the investigations conducted by the other XXXX bureaus. This lack of proper investigation into the accuracy of my credit report is causing harm to my creditworthiness and preventing me from obtaining fair credit opportunities. 

I respectfully request that the CFPB investigate this matter further and take appropriate action to ensure that TransUnion and Experian correct their inaccurate reports. These actions should include the removal of the XXXX XXXX account from my reports, in alignment with the decision made by XXXX. I also request that I receive written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring that my rights under consumer protection laws are upheld. 

Thank you 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX SSN : XXXX Date of Birth : XX/XX/year> XXXX XXXX XXXX To : Chex Systems , Inc . 
Attn : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Urgent Request to Remove Security Freeze from Consumer Report Dear ChexSystems XXXX XXXX XXXX  : I am writing to formally request the immediate and permanent removal of the security freeze currently active on my ChexSystems consumer report. 

This request is time-sensitive and necessary to facilitate the completion of a financial application with a federally insured credit union. I respectfully request your expedited attention in removing the freeze. 

Below is my identifying information for verification : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX PIN ( forgot ) Please confirm in writing when the freeze has been removed, or contact me directly if additional documentation or identity verification is required. I am prepared to provide any further information needed to expedite this request. 

Thank you in advance for your prompt assistance. 

Sincerely, 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I have no knowledge of this account and it does not belong to me. I have filed identity theft for my social security number for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I sent letter stating we were never late XXXX XX/XX/XXXX I emailed and sent letters to either remove or update called several times i lost count XXXX XX/XX/XXXX emailed letters and support documents XXXX XX/XX/XXXX again called, emailed and sent certified letters etc.etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
STUDENT LOAN UPDATE : XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. 

PER XXXXXXXX XXXX DATA BREACH AND VIOLATING FERPA AND FCRA. 
PER PRESIDENT TRUMP, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
STUDENT LOAN UPDATE : XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. 

PER XXXXXXXX XXXX DATA BREACH AND VIOLATING FERPA AND FCRA. 
PER PRESIDENT TRUMP, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
STUDENT LOAN UPDATE : XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. 

PER XXXXXXXX XXXX DATA BREACH AND VIOLATING FERPA AND FCRA. 
PER PRESIDENT TRUMP, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting inaccurate information which is having a major impact to my credit score and life. The accounts : XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Not my account XXXX XXXX XXXX- Not my account XXXX XXXX XXXXXXXX Payments are up to date and never late but is being reported as 180 days late. 

According to FCRA creditors can not furnish inaccurate information without knowledge of the accounts credibility and can be penalized XXXX $ per account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a amount on my balance and citi bank declined to give me back the amount in check form

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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