vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy. 15 USC 1681 sections 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-13 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: VA

Complaint narrative:
XXXX, Current ADMINISTRATION HAS VIOLATED MY PRIVACY by accessing my private data through the departments of education. This has ultimately violated the Privacy Act and I would like to persue legal action now. Please reach out as soon as possible to discuss further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-03-13 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX has directly violated my privacy by accessing supposedly private loan information from the department of education. Additionally, the agreed upon fees are exceeding what I have originally agreed to pay ( I was not made aware of loan fees other than interest which is already included in my monthly payments )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I received a statement for a account I didn't open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IA

Complaint narrative:
the point where I don't have any money to pay for the rest when I knew I had at least XXXX dollars on their and I'm thinking to myself like maybe I was really spend the money but I had my wife and my grandma to keep track of the way that the money was disappear and then they seen how I owed them and I knew dam well I didn't owe them because my grandma made sure that my inheritance money she sent me every week and then it went to her sending it every day and I didn't understand neither of us did and she knew that she wasn't crazy but she was wondering we're was it going XXXX I got evicted because the money was disappear and how and where I mean I just got to the point where I called and then I'll have my grandma called and there telling the both of us that they seen the money and then it would be gone again I truly thought that I was being honest with them I mean rent due car note grandkids birthday there was very important thing I was missing out on an I kept getting the run around from them I mean XXXX XXXX XXXX to me owein them yeah right there ain't no possible way that XXXX XXXX dollars can just disappear and I owe them because my over drafted or card gets locked and I got to change phone number and everything else besides the way it should have been done but yet I still like a dummy I still tried to keep dealing with them like now I have received the same thing as years ago I'm not sure how much money I totally lost but I know I kept putting money back and forth to get my over drafted fixed so I can't say I lost or used that money like that and me buying things off the internet and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IL

Complaint narrative:
I have never been in an operating room at this XXXX XXXX  and do not plan to pay for it just because they changed their coding. 
Was not in operating room on XX/XX/year> or XX/XX/year>. I have called many times and told coding has changed and I need to pay. XXXX XXXX  has been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was made aware that i was a victim of identity theft last month. I quickly found out that i had to file a police report and a fraud affidavit t o have the fraudulent accounts blocked within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I was made aware that i was a victim of identity theft last month. I quickly found out that i had to file a police report and a fraud affidavit t o have the fraudulent accounts blocked within 4 days.

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 2025-03-13 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: AL

Complaint narrative:
On XX/XX/year> I sent a written letter to Equifax, Trans Union and Experian via certified mail of XXXX account inaccuracies and requested removal of the accounts along with a request to remove personal information not needed on my credit report such as prior names, incorrect names, addresses, etc. 
None of my requests were addressed. No corrections were made. 
On XX/XX/year> I sent a second request to all 3 ( Equifax, Trans Union and Experian ) via certified mail with the same requests as my previous letter dated XX/XX/year>. 
Instead of these accounts being removed, they were " reactivated '' and now accounts that were charged off, had XXXX balance etc. were no showing up as in collection. 
It's as if my requesting to have these accounts removed, " flagged '' the account and I started getting collection calls, letters and new account activity was being reported negatively on my credit report. 
My request to have my personal contact information corrected to include only my current information has never been addressed either. 
I believe these bureaus allowed my credit report and personal information to be exposed during data breaches and unauthorized access without my consent.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a letter from Comenity stating that my account was paid in full and had a XXXX balance. However, when Comenity later reversed this decision and began adding charges to my closed account, I was not notified via mail of this change. I would like to understand why I was not provided with an updated statement or notification regarding these new charges. 

Furthermore, I need clarification regarding the Charge Adjustment Fee posted on XX/XX/XXXX. What is this charge for? Additionally, why was a Finance Adjustment Charge and Interest Charge applied for a purchase when no purchases have been made on this account since XXXX? These charges appear to be erroneous, and I request a detailed explanation along with supporting documentation. 

I also want them to accept they made an error in not calculating all of the fees and charges appropriately in XXXX before they sent me my paid in full letter. That's their error to own. Not for them to go back and retroactively add charges to my closed account with a XXXX  balance and then bring my credit score down!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-13 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding the exposure of my personal information due to XXXX recent data breachesone involving Nelnet, my federal student loan servicer, and another involving XXXX. These breaches have compromised my sensitive data and caused significant concern about my financial safety and privacy. 

In 2022, Nelnet disclosed a data breach that exposed the personal information of millions of borrowers, including my own. This breach included sensitive details such as my Social Security number, contact information, and account data. More recently, my personal information was once again compromised in the XXXX data breach. 

These repeated security failures by Nelnet and XXXX have put me at ongoing risk of identity theft and financial harm. Despite taking every reasonable step to protect myself, I now find myself exposed through no fault of my own. The burden of these failures should not fall on me or other borrowers who trusted these organizations to safeguard our information. 

As a result of this negligence, I am formally requesting that my federal student loans be forgiven. It is unjust for me to continue carrying the burden of these loans when my personal and financial security has been so severely impacted by breaches within the very systems meant to manage and protect my data. 

I respectfully ask the CFPB to investigate these breaches and take action to ensure that affected borrowers, like myself, are provided meaningful remediesspecifically, loan forgiveness. 

Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC
State: SD

Complaint narrative:
I am filing this complaint to request an investigation into possible unauthorized access or misuse of my student loan information. 

Details of the Issue : I recently consolidated my federal student loans into a private loan and entered a debt settlement for the remaining {$12000.00}. 

I have reason to believe that my private loan servicer or other entities may have accessed my financial records without my consent, potentially influenced by the DOGE Task Force or unauthorized government data-sharing. 

If my student loan information was improperly accessed or used to determine my debt settlement terms, this could constitute violations under : FERPA ( Family Educational Rights and Privacy Act ) If my student loan records were accessed without my authorization. 
GLBA ( Gramm-Leach-Bliley Act ) If financial institutions improperly shared my private information. 
FCRA ( Fair Credit Reporting Act ) If my credit report was accessed without a permissible purpose.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the handling of my student loan account due to a serious breach of privacy and unauthorized use of my personal information. It has come to my attention that my private data may have been compromised or misused in connection with recent events involving DOGE ( Dogecoin ) and public statements made by XXXX XXXX. 

As a borrower, I have a reasonable expectation that my personal and financial information will be handled with the utmost care and in compliance with all applicable privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Gramm-Leach-Bliley Act ( GLBA ). However, I am deeply concerned that my data may have been accessed, shared, or used inappropriately, potentially in connection with external entities or public figures. 

I take my privacy very seriously, and any unauthorized use or disclosure of my personal information is unacceptable. I expect your prompt attention to this matter and a response within 30 days of receiving this letter. Failure to address this issue may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, or other relevant regulatory bodies. 

Please contact me at XXXX if you require any additional information to assist with your investigation. I look forward to your prompt resolution of this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
While viewing my credit reports as I often do I was surprised to find that Bank Of America was reporting that I owed XXXX to them. On XX/XX/year> I sent Bank Of America a Debt Validation Letter demanding that they validate the debt pursuant to The Fair Debt Collections Act and The Fair Credit Reporting Act. 
Instead of Complying with these demands for validation of the debt, Bank Of America has chosen not to respond.

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 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
Credit reporting that is causing me a hardship and homelessness to my family and myself discrimination on my credit report and I do not consent to this

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 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief