vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I froze my credit with Experian, and needed to unfreeze it to get a new phone service. I unfroze my account online : it says it is unfrozen, but when I tried to set up XXXX XXXX, they can't proceed because it says Experian is frozen, and to contact Experian. The experian automated customer service says my account is unfrozen, and they refuse any further help, and will not transfer me to a representative. There is no way for me to solve this problem.

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 2025-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I have sent letters to Aidvantage regarding their debt collection attempts. In these communications, I properly requested validation of the alleged debt as required by law. Specifically, on XXXX XXXX I requested essential documentation, including an authentic signed contract, supporting documentation, proof of fund origination, account ledger statements, and information about securitization. Despite my legally valid request, Aidvantage has failed to provide any of the requested documentation necessary to validate the debt. I follow-up correspondence dated XX/XX/XXXX and again on XX/XX/XXXX correctly notes this failure and declares the account invalidated due to their non-compliance with debt validation requirements. The documentation shows I have followed proper debt validation procedures while the creditor has not fulfilled their legal obligation to provide proof of the debt they claim you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-03-14 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: NC

Complaint narrative:
**Subject : Formal Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) ** To Whom It May Concern, I am formally disputing the inaccurate, unverifiable, and unfairly reported accounts on my credit report under my rights granted by the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681**. These accounts are negatively impacting my creditworthiness, resulting in denied credit applications, higher interest rates, and financial harm. This is a direct violation of your obligation to maintain accurate and verifiable consumer information.

Under **FCRA 611 ( 15 U.S.C. 1681i ) **, you are required to investigate and remove any information that can not be 100 % verified as accurate. Additionally, under **FCRA 609 ( 15 U.S.C. 1681g ) **, I am requesting full disclosure of the method and documentation used to verify these accounts. If you fail to provide proper verification, these accounts must be permanently deleted per FCRA guidelines.

Furthermore, per **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, data furnishers are required to report only accurate information. If the creditor can not provide original documentation proving the validity of the account, then continued reporting is a willful violation of the FCRA. You are now on notice that any failure to comply within **five ( 5 ) business days** will result in immediate legal action, including but not limited to filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for damages under FCRA 616 ( 15 U.S.C. 1681n ). ** I expect full compliance with federal law and require a written response confirming permanent deletion. If you fail to remove these accounts, I will have no choice but to escalate this matter legally for noncompliance and negligence. 

**Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are copies of my identification, recent credit report, and any relevant supporting documents. Failure to respond in a timely manner will be interpreted as willful negligence, and I will pursue legal damages accordingly. 

I trust that you will handle this matter promptly and in compliance with the law.

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 2025-03-14 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MN

Complaint narrative:
I asked all reporting company to remove inaccurate information on my report. Late payments and collections. I have spoke with Dept of Ed XXXX. They confirmed I never had no late payments. It was inaccurate. The reporting company never did investigating my problem and keep coming back verified after dispute. Never removed the inaccurate information reporting. 


Dept of Ed/ XXXX has XXXX late payments on my reporting which is inaccurate information. They confirmed it was wrong error and reporting company must delete those negative reporting. The credit bureau never responded or deleted. Please delete all late payments and collections all my XXXX reports. 

Reporting agencies must delete all inaccurate information and collections from my report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account my written instructions.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are items on my credit report that does not belong to me. I have attached a copy of my id theft report, Id and mail with current address. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-14 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License. 
ID Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am witing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Account # : XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XXXX XX/XX/XXXX XXXX Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account XXXX : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account XXXX XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account XXXX XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account XXXX XXXX XXXX XXXX # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Wamings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding a serious privacy violation involving my student loan records. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has accessed student loan records without proper authorization, which I believe is a violation of my privacy rights. 

Details of the Complaint : Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Incident : XX/XX/year> Description : On XX/XX/year>, I became aware that my student loan records were accessed by XXXX without my consent. This unauthorized access has caused me significant concern regarding the security and confidentiality of my personal information. Impact : The unauthorized access to my student loan records has caused me distress and anxiety about the potential misuse of my personal information. I am concerned about the potential for identity theft and other privacy breaches as a result of this incident. Requested Action : I request an immediate investigation into this matter to determine how and why my student loan records were accessed without authorization. I ask that appropriate measures be taken to prevent such privacy violations in the future. I seek assurance that my personal information will be protected and that any unauthorized access will be rectified. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
The correspondence of this letter is due to TransUnion and Equifax failure to adhere to FDCPA regulations and my rights. On XX/XX/year>, I contacted XXXX requesting for debt verification and proof of the debt and all of its information. It was not received, in fact it was deemed to be a duplicate letter and it wasnt. The company ultimately forfeited their obligation to provide me information. On XX/XX/year> I contacted them and the credit bureaus stating that the verification was not provided and that I wanted the debt deleted. TransUnion has failed to conduct a proper investigation TWO TIMES in less than two weeks of me submitting my dispute and providing them details, as well as Equifax. I am so tired of the robotic, bare minimum, surface level the debt has been verified as accurate results. 
This is a violation according to The Fair Debt Collection Practices Act, where debt verification is enforced through 15 U.S. Code 1692g, which REQUIRES debt collectors to obtain and provide verification of the debt or a copy of a judgment if a consumer disputes the debt. I have disputed the debt and requested the verification and no one is being held accountable to their roles of deleting this debt. XXXX had the obligation of : Stopping their collection efforts until the debt was verified. And didnt. Obtaining verification of the debt or a copy of a judgment and sending that verification or judgment to me as the consumer. And didnt. They were supposed to provide the name and address of the original creditor, in addition to all information I requested previously about the amount and age of the debt, the original loan agreement, proof of assignment, and all fees incurred and itemization of the debt. NOTHING was provided to me, not one of those things. Instead XXXX responded with no response by dismissing my request as a duplicate, when a comprehensive reading eyes could see that it wasnt. I will not continue to be nice about this situation when I am clearly being overlooked. I want this account to cease reporting and I want it deleted from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-14 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:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-03-14 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have no contracts or involvement with this company LVNV FUNDING LLC and have never signed a contract obligated to pay them a anything. I need this information removed for my credit report immediately as to I still have not been shown a contract validating this debt with my signature on it. 

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act.

( Its been more then XXXX  days and I still havent been provided with ANY proof of a written consent or a contract of any kind with my signature ) ( WHICH WASENT DONE I NEED THESE ACCOUNTS REMOVED This must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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