vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX through Barclays was used without my authorization in XXXX XXXX XXXX XXXX, XXXX transaction in XXXX  and XXXX transactions in XXXX. Totaling {$760.00}. ( I live in XXXX  ). These were all wave in store transactions I was told. I was told that the card was denied 5 times that day. Barclays has told me I am responsible for these charges because I benefited from these purchases. 
They told me I need to prove to them that I was not in these states at the times of these transactions. The only proof I could come up with is taking a screenshot of my fitness app which shows the date, time and location of my workouts that day. I called my mobile phone carrier and also XXXX and they told me they do not location track. I asked my neighbors if they have on their XXXX cameras me walking that day as I took a walk that day. I contacted my neighborhood XXXX page and posted asking if any neighbors have me on their cameras ( trying to prove I was home all day ) My last workout ( my walk ) ended at XXXX XXXX, and the first unauthorized charge to my credit card was XXXX ( however at XXXX the card was denied the first time ). This first transaction took place XXXX hrs away from where I was ( at home ), therefore impossible for me to be there. 
I would also like to add that on XX/XX/XXXX ( the day before my credit card was breached ) I was the victim of a phone scam and lost ALOT of money. I contacted my local police and filed a claim that evening. I did not go ANYWHERE the following day as you can imagine I was devastated financially and emotionally. I went to my local bank on XX/XX/XXXX ( the next business day ) and closed all my accounts and started fresh. The fraud department with my bank was amazing and was able to recover a majority of what was lost. I am still in contact with my local police investigator but am doubtful any more of what I lost will be recovered.

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 2025-02-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed. 
Recent reports from XXXX XXXXXXXX and XXXX confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate. 
Additionally, under TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of this matter. 
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 non-monetary relief
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed. 
Recent reports from XXXX  XXXX and XXXX confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate. 
Additionally, under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of this matter. 
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 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I went through identity theft my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I am filing a formal complaint against Transunion for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. 

I submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$3500.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date Reported : XX/XX/XXXX Despite my formal dispute, Transunion failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress. 

Under 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.

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 2025-02-09 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:
IN REGARDS TO THIS XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income, and income can not be reported on any credit report. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring the maximum possible accuracy of the information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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 2025-02-09 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: NY

Complaint narrative:
IN REGARDS TO THIS XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income, and income can not be reported on any credit report. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring the maximum possible accuracy of the information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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 2025-02-09 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies.

Disputed Information : Item Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy/Issue : [ This incorrect balance, outdated information. ] Account Number ( if applicable ) : [ Insert account number here ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 
Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies.

Disputed Information : Item Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy/Issue : [ This incorrect balance, outdated information. ] Account Number ( if applicable ) : [ Insert account number here ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 
Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I am filing a formal complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. 

I submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$920.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX  Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Despite my formal dispute, Experian failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress.

Under 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.

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 2025-02-09 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: AL

Complaint narrative:
IN REGARDS TO THIS ACCOUNT, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that ALL XXXX credit bureus is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports

Company response to consumer: Closed with explanation