vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of several negative accounts listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate, complete, and verifiable. I have identified errors in my credit file and request immediate investigation and removal of the following items : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX  ( all accounts ) I am disputing these accounts under dispute code XXXX and request that you investigate their accuracy. Please provide documentation verifying the validity of these accounts. If you can not verify the accuracy of this information, I respectfully request that these accounts be deleted from my credit report immediately. 

Enclosed is a copy of my passport identification to verify my identity. Please conduct your investigation and provide me with a written response regarding the resolution of this dispute within 30 days, as required by law. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the status of my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). I have identified several accounts that have been erroneously attributed to me and are impacting my credit standing : XXXX. XXXX Account XXXX XXXX - {$2400.00} XXXX. XXXX Account XXXX XXXX- {$1100.00} XXXX. XXXX Account XXXX XXXX- {$1000.00} XXXX. XXXX Account XXXX XXXX- {$1000.00} These accounts were not authorized by me and should not appear on my credit report. Their presence constitutes a violation of the No Surprises Act. I am requesting their immediate removal. 

Additionally, I am concerned about potential violations of my privacy rights under HIPAA, as I did not consent to the sharing of any medical information that may have resulted in these entries. If these accounts are not removed promptly, I may have to consider legal action to protect my rights.

I request that the CFPB conduct a thorough investigation into this matter and ensure that these inaccuracies are corrected. I have also requested a response within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
Transunion is reporting a late payment for XXXX for XXXX late payments for XXXX, XXXX and XXXX for XXXX. There are also negative accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX that needs to be deleted. As well as the hard inquires that I didn't provide my permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a FERPA complaint ( Attached below ) regarding the unauthorized access of my personally identifiable education records by XXXX XXXX and individuals associated with him through the Department of Educations databases. 

Details of the Unauthorized Access : XXXX. Date of Awareness : On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives under FERPA, had accessed databases containing my personal education records without my knowledge or consent. 
XXXX. Nature of the Information Disclosed : My personally identifiable education records, which are protected under FERPA, were improperly accessed. 
Unauthorized Parties Involved : The access was made by XXXX XXXX and his employees, who do not have any authorized educational role or relationship permitting such access. 
XXXX. Access Logs and Monitoring : I understand that usage of the Department of Educations databases is monitored, recorded, and audited, and I request a formal investigation into how this unauthorized access was permitted and recorded in audit logs. 
XXXX. Violation of FERPA Protections : Under FERPA, the Department of Education is required to safeguard students ' personal records and restrict access to only authorized school officials or designated representatives under strict compliance guidelines. The unauthorized access by private individuals or corporate representatives is a direct violation of these protections. 

Requested Actions : XXXX. Immediate Discharge of My Student Loan Debt : Due to this clear breach of my rights under FERPA, I request the immediate cancellation and discharge of my student loan debt in full as an appropriate remedial measure. 
XXXX. Formal Investigation : I request that your office conduct a thorough investigation into this matter, including a review of all access logs, involved parties, and security protocols. 
XXXX. Corrective Measures : Please implement and enforce stricter safeguards to prevent unauthorized individuals or corporate entities from accessing students private education records. 
XXXX. Disclosure of Findings : I request a full report detailing : Findings of the investigation, including who accessed my records and under what circumstances. 
Corrective actions taken to ensure this does not happen again. 
Any steps I can take to further protect my personal records from unauthorized access. 

This matter represents a serious breach of privacy and a violation of federal law, and I urge your office to take immediate action. Please confirm receipt of this complaint and provide an update on the next steps in the investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
Breach of information earlier this year on all my student loans.This violate FERPA. I want all student loans removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
It's been XXXX days that I opened up an account with XXXXXXXX XXXX for their 4 % APY account. Amounts of {$4000.00} and {$45000.00} deposited into XXXX account. since then the account is frozen. I have tried to contact Robinhood Financial more than XXXX times to resolve the situation but they take no action of substance because you can't speak to a competent human being. Apparently to save on costs Robinhood Financial has no telephonic customer help. Everything is email which has no resolution because the people who respond are looking to do nothing probably because they are low level and low paid. They are incapable of resolution. Every email to Robinhood Support results in a new support ticket number or case number being created. Then they want you to submit an ID & XXXX to confirm your identity. I have submitted photos of my State ID and XXXX 's on more than XXXX occasions. No response. At present I have XXXX cases with Robinhood Financial support. The case numbers are XXXX, XXXX, XXXX plus the most recent XXXX. Eventually they closed my account with no explanation and my money and the interest I was supposed to receive are frozen. Also I lost the opportunity to invest into stocks during the recent downturn for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against Nelnet student loan repayment due to the breach of information including Social Security number and loan information by the DOGE organization. I did not give the organization permission to access any of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed had fraudulent accounts on my report, I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit

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 2025-03-16 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed had fraudulent accounts on my report, I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a breach of my personal data associated with my federal student loans and the unauthorized access granted to XXXX XXXX DOGE : Department of Government Efficiency through the U.S. Department of Education. This breach, which I was made aware of on XX/XX/year>, raises serious concerns about the security of my personal and financial information. 

It is my understanding that the Department of Education provided DOGE access to student loan borrowers ' personal data, including but not limited to my Social Security number, loan balance, payment history, and other personally identifiable information, without my explicit consent. This constitutes a significant violation of my privacy and security. 

Furthermore, due to this breach and the apparent mishandling of my loan information, I no longer have confidence that the balance reflected on my student loan account is accurate. The involvement of an external, non-traditional government entity such as DOGE calls into question the validity of the loan servicing practices and whether my loan has been improperly handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute numerous fraudulent entries on my credit report that I believe are the result of identity theft. I have attached my Identity Theft Report filed with the FTC for your reference. I have disputed before and received a generic response that it was validated and when I requested proof of the validation they never sent anything I said proof or delete and they did neither I was affected by the Equifax data Breach and my information in XXXX and I also submitted proof of that. I am a victim and need you to help me please. 

The following accounts and inquiries do not belong to me and should be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress Associated with Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX I have never worked for or applied to the following businesses, and they have confirmed that they have no record of me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - Opened : XX/XX/XXXX, Balance : {$260.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$510.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$170.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit report from my bank saying that I had XXXX hard inquiries. When looking at it I have accounts open that I have never seen before. 

Petal account a credit card that is used for building credit. I do not need to build credit. I have accounts that are more than XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
I recently reviewed my credit report and found multiple inaccurate and unverified collection accounts that require immediate correction. The following accounts are in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I demand a formal reinvestigation into these accounts. If the furnishers can not provide verifiable proof that these debts are accurate, valid, and legally owed by me, they must be deleted immediately from my credit report. 

I request the following actions : XXXX. A full reinvestigation of each disputed account as required by 15 U.S.C. 1681i. 

XXXX. The names and addresses of any entities contacted during verification. 
If the information can not be verified within 30 days, each disputed account must be deleted immediately per FCRA guidelines. 

XXXX. A Written confirmation once the accounts have been updated or removed. 
XXXX. An updated copy of my credit report reflecting these changes, as required under 15 U.S.C. 1681j. 

These collection agencies have failed to provide me with proper validation of these debts, yet they continue to report them, harming my credit profile. Reporting unverifiable information is a violation of my rights under federal law. 

Failure to comply with this request will leave me no choice but to escalate this matter further, including legal action for noncompliance and damages under the FCRA.

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 2025-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In XX/XX/XXXX, I was told I would was investing in my childrens future and would leave them something worth something. I was told that I was buying real estate that was actually a deeded property. Now, I am told that I can give it back or resell it. But when I try to resell it, I am denied the paperwork needed to sell it. When I requested paperwork, they sent me this top page looking like I still owe on the points I can not use. If I give it back Im told I need to continue paying fees until when Im unsure. Im also unsure whether I can trust this information due to the fact that everything else I have been told for the past 11 years have been lies and deceit. Initially, I was able to book. I've owned for about 11 years now, but only stay XXXX times. When I was able to book vacations, I was literally harassed, met with increasingly greater aggressive and hostile tactics in attempt to force me to believe I had to attend owners meetings which took up half a day and feeling horrible when you left bc I couldnt buy more and didnt want to. When I tried to avoid these meetings on vacation, I would have to take the phone off the hook in the room, silence my cell phone, and screen my calls to avoid this harassment. They would still leave voicemessages. Now I am unable to use points membership due to no availability. The available slots are Inconsistent time frames at XXXX or XXXX days available at a time, typically weekday slots. In XXXX, they moved changed my year from odd to even, without my knowledge so my points renewed and expired before I had the opportunity to use them. I discovered this when I went to book. This nightmare is paid off and I am told I can sell it but in addition to it not being worth anything, Im unable to get the necessary documentation in order to sell. Id like justice of a full refund of approx. {$32000.00} and this nightmare to finally end. Member # 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 2025-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX, XXXX XXXX BANKRUPTCYS NOT RECOGNIZED BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISCHAR

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I formally lodged a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that on or about XX/XX/XXXX through XX/XX/XXXX when a judge confirmed removing access, my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

XXXX is the federal loan servicing agency.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-16 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:
Submitted dispute to TransUnion for multiple accounts not belonging to me to 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 explanation