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: CORELOGIC INC
State: PA

Complaint narrative:
On XX/XX/year> I received notification that my credit was ran by XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. A hard inquiry appeared on my credit report. I did not authorize them to access my credit. I had completed preliminary steps to inquire about a mortgage application with XXXX XXXX XXXX XXXX ID : XXXX, asking about the steps, interest rates, types of loans offered, but did not authorize them to run my credit and I made that very clear. I explained that I did not want my credit accessed until we were ready to move forward and ready to build. Without my consent my credit was in ran. Resulting in a hard inquiry on my credit report. I contacted the company at ( XXXX ) XXXX. They refused to do anything and gave me the run around. I also contacted XXXX XXXX XXXX and they were unable to help either. The loan XXXX XXXX XXXX explained that it was his mistake and he thought we were ready to go to closing. I get mistakes happen, and I dont think XXXX is a bad guy, but mistakes can not happen when people need to keep their credit scores high to qualify for mortgages. A hard inquiry stays on your report for XXXX years, and I explained multiple times to XXXX XXXX that we were not ready to have our report ran which he reassured would not happen until we found a property and were ready to close. This needs to be removed from 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 2025-03-15 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:
XXXX XXXX ( unauthorized user ) and Department of Government Efficiency ( DOGE ) illegally accessed my federal student loan information and my private credit information without authorization from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I did not to allow XXXX XXXX or DDOGE to access my student loan data. This is a privacy violation. As such my loans should be wiped clean.

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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report for permissible purposes explicitly authorized by the consumer. I have identified the following hard inquiries on my credit report that were made without my authorization : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX The FCRA mandates that any entity accessing my credit file must have a legitimate and permissible purpose as outlined in 15 U.S.C. 1681b ( a ). If these inquiries were made without my express consent, they must be removed immediately. Recent case law reinforces my position : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), confirms that credit reporting agencies must verify that entities pulling credit reports have permissible purposes. 
Pintos v. XXXX XXXX XXXX, 605 F.3d 665 ( 9th Cir. 2010 ), establishes that an inquiry made without a clear and lawful purpose is a violation of the FCRA. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX89 F.3d 719 ( 7th Cir. 2004 ), highlights that consumer consent is a fundamental requirement before a hard inquiry can be lawfully conducted. 

Since I did not authorize these inquiries, they are in violation of the FCRA. I demand that these inquiries be removed from my credit report immediately. Additionally, I request written confirmation that these inquiries have been deleted. If you believe that these inquiries were permissible, provide me with documentation proving my direct consent for each inquiry. 

Enclosed are supporting documents to verify my identity and substantiate my dispute. If these inquiries are not removed within XXXX days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for FCRA violations. 

Please provide a written response confirming the removal of these inquiries at your earliest 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: WA

Complaint narrative:
XXXX XXXX  and doge accessed AND DOWNLOADED my personal student loan information which is in breach of contract. I want to file a formal complaint as giving them access to my information without my consent is a clear breach of the contract and thus the contract is null and void.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I sent a debt validation to spring oaks capital and in return I received statements and bill of sale. I havent received the assignment contract with my signature.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
there some info that's not mine on 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 2025-03-15 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: MS

Complaint narrative:
there some info that's not mine on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been trying to link my banking account to my PayPal account for over XXXX weeks now In order to make payments and avoid paying any interest on this account. 

I was unable to link my banking account so I ended up mailing a check for {$450.00}. 

After mailing the check, I was able to link my account after logging in again from a computer. 

I proceeded and made a payment for {$100.00} to test to make sure it worked. 

Keep in mind I have also mailed a {$450.00} check payment. 

PayPal is acting like they have not received the check payment yet, so I went ahead and also made an electronic payment for {$350.00} I've made several calls and they're acting like they still haven't received my payment and are going to try to charge me interest. 

This is my attempt to get it on record that I have made several attempts to make payments to avoid this interest and we'll seek legal recourse if charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: UT

Complaint narrative:
XXXX and XXXX XXXX  unlawfully accessed my student loan and personal information without proper clearance and unlawfully without my consent, breaking the contract of my federal student loans.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, consumer reporting agencies and data furnishers are required to ensure the accuracy and completeness of the information reported. Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) Spefically, accounts that can not be verified legally, or proof of Identity can not be presented to even let me know who stole my identity, These accounts have been erroneously reported due to identity theft. 
XXXX XXXX $ XXXX Began : 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 2025-03-15 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: CO

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency ( DOGE ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( XXXX ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan Servicers. XXXX or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent. Given the severity of this breach, and the compromise of my personal and financial information, I request that you cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
XXXX XXXX and XXXX  have viewed my personal data, my student loan data, without my express permission and without government clearance, they have broken the contract of my federal student loans. Their actions are extremely illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased new phone from XXXX which was giving me a monthly breakdown on my purchase on my XXXX chase  XXXX  card. I bought phone under monthly breakdown but I was charged completely on my XXXX chase prime card. I called XXXX XXXX XXXX XXXX they said XXXX  provides offer and the patner company that is chase credit card has to fulfill the offer on other hand while calling to chase bank they said XXXX has to fulfill this offer. XXXX and chase XXXX  are playing a fraud just to lure customers under monthly payments then charging you with full amount. 
This conflicting information is unacceptable and indicates a failure in communication and service between XXXX and XXXX

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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX  ] [ Student Loan Servicer ] [ Aid Advantage ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] Subject : Urgent XXXX Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear [ XXXXXXXX XXXX ], I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( XXXX XXXX. XXXX ; XXXXXXXX XXXX XXXX XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. XXXX XXXX XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full XXXX XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. XXXX & XXXX XXXX correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. XXXX XXXX XXXX XXXX formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur. 

I expect a written response within XXXX  days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explore legal remedies. 

Please contact me at [ XXXX ] or [ XXXX ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, [ XXXX XXXX XXXX ] [ Student Loan Account Number ( XXXX ) ]

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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: CT

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief