vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply.

Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the XXXX, which protects personal data from unauthorized access, or similar regulations in other countries. 

Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

1. Academic Policy Violation Curriculum Requirements : Most colleges and universities have specific graduation requirements for each degree program, including the number of credits, required courses, and sometimes even core competencies. Changing your degree program too late could violate those academic policies, particularly if the new program requires additional courses or credits that can't be completed in time to meet the graduation deadline.

Eligibility for Graduation : If the degree change delays your ability to complete the necessary coursework in time for graduation, it could violate the institution 's graduation policy. Some institutions may have specific deadlines for declaring or changing a major, and failing to adhere to those deadlines could prevent graduation in the current semester. 
2. Financial Aid Issues Financial Aid Eligibility : If you are receiving financial aid ( e.g., scholarships, federal student loans ), changing your degree program late in your academic career could affect your eligibility for certain types of financial aid. Financial aid often requires students to meet specific academic progress guidelines or to be enrolled in a program that aligns with their financial aid plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
As per the Fair credit reporting act, bureau are mandated to report accurate and verified information about me. I recently reviewed a copy of my credit report and noticed that I am a victim of identity theft. I noticed a wrong address on my Consumer report. I never lived at this address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). As a consumer I'm demanding a deletion of this address from my consumer 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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MA

Complaint narrative:
account number XXXX ATLCAPBKSELF XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Pursuant to 15 U.S. Code 1692g Dear ATLCAPBKSELF, I am writing to formally request validation of an alleged debt associated with account number XXXX. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am requesting verification of this debt before taking further action. 

Please provide the following information : The name and address of the original creditor, if different from ATLCAPBKSELF. 
A complete breakdown of the debt amount, including the principal balance, interest, fees, and any other charges. 
A copy of the original contract or agreement that legally obligates me to this debt. 
Verification that your agency has the legal authority to collect on this debt. 
Any relevant documentation proving that I am responsible for this debt. 
Until I receive the requested validation, I dispute the validity of this debt and request that all collection activities, including reporting to credit bureaus, be suspended as required by law. 

Additionally, I request that all future communication regarding this matter be in writing only. 

I appreciate your prompt attention to this request and expect a response within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
That is not reporting on all three credit bills, XXXX XXXX, Trans Union all negative items needs 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 non-monetary relief
Consumer complaint received 2025-03-15 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:
XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

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 2025-03-15 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2025-03-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I am a victim of identity theft a the credit agencies are refusing to block accounts from reporting to my files. I have given them all the FTC identity theft reports and the police report. They keep allowing XXXX XXXX to report a ccd account to my account with a balance of {$1400.00}. They are telling me that if then credit Linder keeps reporting it they must put it back. However the far credit reporting act and the far credit collection act both state that it is the responsibility of the credit agency to report correct and accurate informant and to block inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally follow up on my previous dispute regarding inaccurate information on my credit report. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days of receiving my dispute. However, as of today, this timeframe has expired, and I have not received a resolution. 

Due to this violation of federal law, you are now required to delete the disputed accounts from my credit file immediately. I demand that you take action without further delay. 

Disputed Accounts : ( XXXX ) ** This account is not showing maximum possible accuracy according to 15 U.S.C . 1681e ( b ). The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( 4681** ) ** This account has inaccurate reporting of the open date and last active date. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
( XXXX ) / ( XXXX ) ** Both accounts contain inaccurate open dates and last active dates. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( XXXX XXXX ** This account is not showing maximum accuracy. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

( XXXXXXXX XXXX ** The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

Since the 30-day period has expired, I am requesting the immediate removal of all disputed accounts from my credit report. Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially take legal action for damages as permitted under 15 U.S.C. 1681n. 

Please provide me with written confirmation that the disputed accounts have been deleted from my credit report. I expect a response at the address listed above.

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 2025-03-15 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I call Selene Finance once a week and send hundreds of documents. Bank statements and award letters.i am trying to apply for a modification. They keep brushing me off or giving me run around answers.Almost like they WANT TO FORECLOSE.I am really nervous my XXXX XXXX XXXX mother and me will have to live on the street.She is ill.They keep telling me they didn't receive the document or it's NOT good enough.They refuse to submit my application to the underwriter they are afraid of him.All these mortgage services are acting this way these days.I need a mediator or go between.XXXX XXXX XXXX XXXX XXXX  will NEVER take my calls.Also, they added {$16.00}, XXXX my loan and won't tell me which creditor added it!!?? I an XXXX like a leaf afraid for my mom and my health.I can't lose my condo of 25 years.i worked in the movie business my whole life and saved to buy it.These servicers are heartless.PLEASE HEP US!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX. ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX OPENED ON XX/XX/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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint for violating my rights under FERPA. My student loan records were accessed, altered, or deleted without my authorization, causing significant harm to my financial status.

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 2025-03-15 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: Credit Systems International, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXX  Hard Inquiry XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry I submitted a request to have them removed but they werent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply.

Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the XXXX, which protects personal data from unauthorized access, or similar regulations in other countries. 

Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences. 

1. Academic Policy Violation Curriculum Requirements : Most colleges and universities have specific graduation requirements for each degree program, including the number of credits, required courses, and sometimes even core competencies. Changing your degree program too late could violate those academic policies, particularly if the new program requires additional courses or credits that can't be completed in time to meet the graduation deadline.

Eligibility for Graduation : If the degree change delays your ability to complete the necessary coursework in time for graduation, it could violate the institution 's graduation policy. Some institutions may have specific deadlines for declaring or changing a major, and failing to adhere to those deadlines could prevent graduation in the current semester. 
2. Financial Aid Issues Financial Aid Eligibility : If you are receiving financial aid ( e.g., scholarships, federal student loans ), changing your degree program late in your academic career could affect your eligibility for certain types of financial aid. Financial aid often requires students to meet specific academic progress guidelines or to be enrolled in a program that aligns with their financial aid plan.

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