vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the student loan tradelines currently appearing on my credit report. These accounts are serviced or reported by XXXX XXXX I believe this reporting is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). 



Accounts in Dispute : Servicer : XXXX Partial Account Number : XXXX Date Opened : XX/XX/year> Disputed Status : Inaccurate / Unverifiable / Illegally Transferred FCRA Violations : Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation upon notification of a dispute. 

To date, I have not received a full billing history, signed Master Promissory Note ( MPN ), or lawful chain of custody documentation from the servicer to verify the legitimacy of the loan, its terms, or its accuracy. Without these documents, this account can not legally remain on my consumer report. 



FERPA Violation Improper Disclosure of Education Records : Furthermore, under 20 U.S.C. 1232g ( FERPA ), schools must obtain written consent before releasing education records, including enrollment and financial aid disbursement data. After requesting a FERPA disclosure log and written authorizations from my institution, I found no record of my consent authorizing the release of these records to any loan servicer or third party. 

Therefore, any servicer or data furnisher reporting these loans may have illegally obtained or processed information protected under FERPA, and as such, the credit reporting of this information is not only inaccurate but unlawfully acquired. 



Action Demanded : In light of the above : Delete the disputed student loan tradeline from my credit report immediately. 

Provide me with documentation verifying : Full monthly billing history and transaction ledger Signed MPN ( Master Promissory Note ) FERPA-compliant authorization for any third-party access to my education records Chain of assignment proving legal transfer and servicing rights If these documents can not be produced, the information must be deleted as unverifiable and inaccurately reported, under FCRA 1681i ( a ) ( 5 ) ( A ).

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 2025-05-09 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the student loan tradelines currently appearing on my credit report. These accounts are serviced or reported by XXXX XXXX I believe this reporting is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). 



Accounts in Dispute : Servicer : XXXX Partial Account Number : XXXX Date Opened : XX/XX/year> Disputed Status : Inaccurate / Unverifiable / Illegally Transferred FCRA Violations : Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation upon notification of a dispute. 

To date, I have not received a full billing history, signed Master Promissory Note ( MPN ), or lawful chain of custody documentation from the servicer to verify the legitimacy of the loan, its terms, or its accuracy. Without these documents, this account can not legally remain on my consumer report. 



FERPA Violation Improper Disclosure of Education Records : Furthermore, under 20 U.S.C. 1232g ( FERPA ), schools must obtain written consent before releasing education records, including enrollment and financial aid disbursement data. After requesting a FERPA disclosure log and written authorizations from my institution, I found no record of my consent authorizing the release of these records to any loan servicer or third party. 

Therefore, any servicer or data furnisher reporting these loans may have illegally obtained or processed information protected under FERPA, and as such, the credit reporting of this information is not only inaccurate but unlawfully acquired. 



Action Demanded : In light of the above : Delete the disputed student loan tradeline from my credit report immediately. 

Provide me with documentation verifying : Full monthly billing history and transaction ledger Signed MPN ( Master Promissory Note ) FERPA-compliant authorization for any third-party access to my education records Chain of assignment proving legal transfer and servicing rights If these documents can not be produced, the information must be deleted as unverifiable and inaccurately reported, under FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I discovered multiple fraudulent accounts, collections, and hard inquiries on my credit report that I did not authorize, initiate, or recognize. These include accounts from XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Collections were reported by XXXX XXXX XXXX and XXXX XXXX XXXX. Numerous unauthorized credit inquiries were also made by financial institutions and lenders. 

I submitted a formal identity theft report to the Federal Trade Commission and provided all required documentation to the credit bureaus, including my government-issued ID, proof of current address, and a notarized identity theft statement. I disputed the fraudulent information under Section 605B of the Fair Credit Reporting Act ( FCRA ) and requested immediate blocking and removal. XXXX completed its own investigation and removed all fraudulent information from my credit report. However, this credit bureau has not compliedwith FCRA requirements and continues to report these unauthorized accounts, collections, and inquiries despite having received the same dispute and documentation. This delay and inaction violate FCRA Sections 605B, 607 ( b ), and 611 ( a ).

Additionally, this bureau has failed to correct a personal information error in my file. My address is XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX, and repeated requests to update this have been ignored a direct violation of FCRA Section 607 ( b ), which mandates accurate reporting of consumer information. 

To make matters worse, my personal information was exposed in a data breach, which led to these fraudulent activities. I have attached physical letters I received by mail from companies acknowledging the exposure, as well as a screenshot confirming that my data was involved in yet another breach. This breach significantly affected my credit report and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX XX/XX/year>. Please delete the following accounts. 





XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was issued a credit card without my consent and had a hard inquiry placed on my credit. XXXX associate misled me, and Synchrony Bank can not provide proof of authorization.

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 2025-05-09 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: TX

Complaint narrative:
This record of late payments concerns me a lot because it contradicts my consistent payment history. I respectfully requests that this uncomfortable issue be removed as soon as possible so that my account be updated appropriately.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company 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 2025-05-09 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: LA

Complaint narrative:
Credit bureaus are refusing to increase my credit score correctly. I filed a dispute for a collections thats was removed. Instead of my credit score increasing, it has decreased by another XXXX points. The item has been removed but Experian is reporting it as updated and remaining on my credit file.

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 2025-05-09 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: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

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 2025-05-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am reaching out to JPMCB CARD to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : JPMCB CARD XXXX Date Opened : XX/XX/year> Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
My son used to see XXXX XXXX at XXXX XXXX in XXXX, AL. XXXX had to take a leave of absence and he was randomly assigned to XXXX. At his first appointment with XXXX, we were on time, and he was in with her 2-3 minutes when she said she thought it would be best if he resumed sessions with XXXX. So, he had a few sessions online with XXXX, then a couple in person before she was forced into retirement. I received a " Missed Appointment Fee '' bill in the amount of {$160.00}. I called the office to dispute it and was told the owner, XXXX XXXX, would have to approve the removal of the fee. I asked that she contact me, she never did. I should have followed up, but life gets busy and I forgot. Well, they've since sent it to collections. I was in contact with XXXX again, and they say their " records '' indicate we missed the appointment. They are obviously not very good record keepers, which is concerning. Either way, they shouldn't be allowed to cancel their patient appointments and then charge their patients huge fees for missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I applied for a credit card with XXXX XXXX  on XX/XX/year>, the credit requirement for this card is XXXX, I checked my credit report with Transunion XXXX, Equifax XXXX and Experient XXXX before I applied for this card, when XXXX XXXX pulled my credit report with Experient they reported XXXX to XXXX, which is not what is on my credit report, I logged backed in to their website to rechecked my credit score it's at XXXX, it dropped XXXX point because of the enquiry but it's not XXXX they reported to XXXX. 

I contacted Experient customer service on XX/XX/year> to find out what happen but the rep on the phone can not help me or explain why the difference in the score. 

I want Experient to remove this enquire from my credit report because it's because of their mistake I was denied this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I applied for a credit card with XXXX XXXX  on XX/XX/year>, the credit requirement for this card is XXXX, I checked my credit report with Transunion XXXX, Equifax XXXX and Experient XXXX before I applied for this card, when XXXX XXXX pulled my credit report with Experient they reported XXXX to XXXX, which is not what is on my credit report, I logged backed in to their website to rechecked my credit score it's at XXXX, it dropped XXXX point because of the enquiry but it's not XXXX they reported to XXXX. 

I contacted Experient customer service on XX/XX/year> to find out what happen but the rep on the phone can not help me or explain why the difference in the score. 

I want Experient to remove this enquire from my credit report because it's because of their mistake I was denied this card.

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 2025-05-09 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: CA

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 explanation
Consumer complaint received 2025-05-09 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore. 
Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation