vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXXXXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, and XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 2025-03-20 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: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. 

Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, and reported to credit bureaus immediately, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. 
Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act : As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : It has come to my attention that personal borrower information has been shared with unauthorized entities, including XXXX XXXX, which constitutes a severe breach of trust.

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 2025-03-20 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: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Inaccurate Charge Offs XXXX XXXX - Account # : XXXX - Balance : {$14000.00} XXXX XXXX - Account # : XXXX - Balance : {$0.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to dispute the validity of the debt referenced above, which your agency claims I owe. This letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
U.S. CODE Under the FDCPA, I am entitled to request and receive verification of the debt your agency is attempting to collect. Please provide the following information : Verification of the Debt : The amount of the debt. 
The name of the original creditor. 
Documentation proving that I agreed to the debt and that it is valid. 
Details of the Debt : The date the debt was incurred. 
The date of the last payment made. 
A copy of any judgment, if applicable. 
Proof of Your Authorization : Documentation showing that your agency is authorized to collect this debt in New Jersey. 
The agreement between your agency and the original creditor authorizing collection on this debt. 
Please consider this letter a written dispute of the debt and a request for validation. According to the FDCPA, upon receipt of this letter, you must cease collection activities until you provide verification of the debt. 
U.S. CODE I request that all communication regarding this matter be conducted in writing. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I went on a loan with my Granddaughter to purchase a XXXX XXXXXXXX  She has lost her job and can not pay the XXXX car payment. We purchase the car for {$21000.00}. I contacted the dealer and they are willing to pay {$14000.00} for the car as long as I paid the excess owed. Westlake Financial has added a ton of interest onto this loan and they are saying the payoff is almost {$25000.00}. My granddaughter has paid on this car for a little over a year. I asked Westlake to back off the interest to the date of sale of the car to bring the loan back to the purchase price or a little under. They refused and kept telling me I signed a contract. I explained my hardship and they refuse to listen. I told them I am trying to amicably resolve this issue, but I needed them to be reasonable with the high interest but they refuse to budge. I can not afford to pay them {$12000.00} extra on top of the {$14000.00} the dealer will pay. I agree that there will be some I will owe, but I feel XXXX is reasonable. I am on XXXX XXXX XXXXXXXX and do not have the funds to pay this kind of money they are asking for. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. 

Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, and reported to credit bureaus immediately, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. 
Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act : As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : It has come to my attention that personal borrower information has been shared with unauthorized entities, including XXXX XXXX, which constitutes a severe breach of trust.

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 2025-03-20 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: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. 

Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, and reported to credit bureaus immediately, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. 
Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act : As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : It has come to my attention that personal borrower information has been shared with unauthorized entities, including XXXX XXXX, which constitutes a severe breach of trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-03-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXXXXXX ] XXXX  Attn : Dispute Resolution Department [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXXXXXX ] Subject : Dispute of Closed Account and Inaccurate Payment HistoryDear Sir/Madam, I am writing to formally dispute the inaccurate reporting on my account [ Account Number ]. I have reviewed my account statement and noticed discrepancies regarding both the account status and the payment history. 
1. Account Status : According to my records, the account was closed on [ Date ]. However, it is still being reported as open or active, which is not the case. I request that you update the account status to reflect the accurate information that the account was closed as of [ Date ]. 
2. Inaccurate Payment History : I have also noticed several inaccuracies in the reported payment history on this account. Specifically, [ describe the specific errors or dates of inaccurate payments ]. These discrepancies do not align with my actual payment records. Please correct this inaccurate information to accurately reflect my payment history. 
I kindly request that you conduct a thorough investigation into these matters and provide me with a corrected statement or an update on the resolution. As this account and its history are affecting my credit report and financial standing, I would appreciate your prompt attention to this matter. 

Please confirm receipt of this letter and notify me of any additional documentation or information needed to facilitate the resolution. 

Thank you for your immediate attention to this dispute. I look forward to your timely response and a resolution to this issue. 


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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have sent several notarized, certified receipt requests for validation and have only been provided with statements which clearly do not qualify as accurate validation. My XXXX  credit report clearly shows that the account in question was closed XX/XX/XXXX, that the account is also open, but was opened on XX/XX/XXXX. 

It is more than obvious that there are several errors, and the account is inaccurately reporting on my credit profile. I have provided several documents supporting my request to have this account removed and it continues to report as verified, and it is not. 

I am requesting that your company due its due diligence and review the reports carefully to have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OK

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for their failure to accurately report my credit information in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my efforts to resolve these errors, Equifax has reported inconsistent and inaccurate dataXXXX on my XXXX XXXX account ( Account XXXX XXXX ). 

Errors on My Equifax Report : XXXX XXXXDate Opened : XXXX Equifax reports XXXX, but TransUnion reports XX/XX/XXXX XXXX. High Credit : Equifax reports {$110.00}, while TransUnion reports {$310.00}. 
XXXX Credit Limit : Equifax incorrectly reports {$0.00}, while TransUnion and Experian list {$200.00}. 
XXXX. Date Last Active : Equifax reports XX/XX/XXXX, while Experian lists XX/XX/XXXX and TransUnion lists XX/XX/XXXX. 
XXXX. Date of Last Payment : Equifax reports XX/XX/XXXX, while TransUnion and Experian list XX/XX/XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681i ( a ) ( 1 ) ( A ) XXXX XXXX Requires credit bureaus to investigate and correct inaccurate information within 30 days. 
XXXX XXXXFCRA 1681e ( b ) XXXX XXXX  Credit bureaus must ensure maximum possible accuracy in consumer reports. 
XXXX XXXXFCRA 1681s-2 ( b ) : XXXX  Creditors and data furnishers must correct and update errors upon dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OK

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for their failure to accurately report my credit information in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my efforts to resolve these errors, Equifax has reported inconsistent and inaccurate dataXXXX on my XXXX XXXX account ( Account XXXX XXXX ). 

Errors on My Equifax Report : XXXX XXXXDate Opened : XXXX Equifax reports XXXX, but TransUnion reports XX/XX/XXXX XXXX. High Credit : Equifax reports {$110.00}, while TransUnion reports {$310.00}. 
XXXX Credit Limit : Equifax incorrectly reports {$0.00}, while TransUnion and Experian list {$200.00}. 
XXXX. Date Last Active : Equifax reports XX/XX/XXXX, while Experian lists XX/XX/XXXX and TransUnion lists XX/XX/XXXX. 
XXXX. Date of Last Payment : Equifax reports XX/XX/XXXX, while TransUnion and Experian list XX/XX/XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681i ( a ) ( 1 ) ( A ) XXXX XXXX Requires credit bureaus to investigate and correct inaccurate information within 30 days. 
XXXX XXXXFCRA 1681e ( b ) XXXX XXXX  Credit bureaus must ensure maximum possible accuracy in consumer reports. 
XXXX XXXXFCRA 1681s-2 ( b ) : XXXX  Creditors and data furnishers must correct and update errors upon dispute.

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 2025-03-20 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: OK

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for their failure to accurately report my credit information in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my efforts to resolve these errors, Equifax has reported inconsistent and inaccurate dataXXXX on my XXXX XXXX account ( Account XXXX XXXX ). 

Errors on My Equifax Report : XXXX XXXXDate Opened : XXXX Equifax reports XXXX, but TransUnion reports XX/XX/XXXX XXXX. High Credit : Equifax reports {$110.00}, while TransUnion reports {$310.00}. 
XXXX Credit Limit : Equifax incorrectly reports {$0.00}, while TransUnion and Experian list {$200.00}. 
XXXX. Date Last Active : Equifax reports XX/XX/XXXX, while Experian lists XX/XX/XXXX and TransUnion lists XX/XX/XXXX. 
XXXX. Date of Last Payment : Equifax reports XX/XX/XXXX, while TransUnion and Experian list XX/XX/XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681i ( a ) ( 1 ) ( A ) XXXX XXXX Requires credit bureaus to investigate and correct inaccurate information within 30 days. 
XXXX XXXXFCRA 1681e ( b ) XXXX XXXX  Credit bureaus must ensure maximum possible accuracy in consumer reports. 
XXXX XXXXFCRA 1681s-2 ( b ) : XXXX  Creditors and data furnishers must correct and update errors upon dispute.

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 2025-03-20 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: WA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent accounts and inquiries from my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report Number : XXXX ). The fraudulent activity has resulted in the unauthorized opening of multiple accounts in my name, which I did not initiate or authorize.

Company response to consumer: Closed with explanation