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: EQUIFAX, 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 ( XXXX  ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( FERPA ). 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.

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: 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 ( XXXX  ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( FERPA ). 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.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally escalate my dispute regarding the unverifiable XXXX XXXX XXXX allegedly filed on XX/XX/XXXX, which remains on my TransUnion credit report despite my repeated disputes. TransUnions recent response to my Consumer Financial Protection Bureau ( CFPB ) complaint was misleading and factually inaccurate, in violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and Kentucky state law. 

Following my CFPB complaint, TransUnion responded by stating : They conducted a review of my dispute. 
They mailed me a copy of my credit report. 
They stated that the bankruptcy is not currently on my TransUnion credit report. 
They provided general information about how inquiries remain on my report for XXXX years and how I could dispute them separately. 
They stated that certain other actions had been taken, including the deletion of an inquiry. 

However, my XX/XX/XXXX, TransUnion credit report explicitly lists the XXXX XXXX XXXX, directly contradicting their claim that it is not on my report. This false claim is an egregious misrepresentation and a clear violation of my rights under federal and state law. 

Legal Violations Committed by TransUnion : XXXX. Fair Credit Reporting Act ( FCRA ) Violations : XXXX ( a ) ( XXXX ) ( A ) Credit bureaus must verify disputed information within XXXX days or delete it. 
XXXX ( b ) Credit bureaus must ensure maximum accuracy in credit reporting. 
XXXX ( a ) ( XXXX ) XXXX may only be reported if they are accurate and verifiable. 
XXXX. Consumer Financial Protection Act ( CFPA ) Violations : XXXX XXXX. XXXX Prohibits deceptive or unfair acts. 
TransUnions response to the CFPB stating the bankruptcy is not on my report is factually incorrect and misleading. 
XXXX XXXX XXXX XXXX ( XXXX XXXX - XXXX ) : Prohibits unfair or deceptive trade practices, including the mishandling of consumer credit information.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Personal information of mine was accessed by non-authorized people. This goes against the protection of my personal data and is a data breach.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Personal information of mine was accessed by non-authorized people. This goes against the protection of my personal data and is a data breach.

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: MO

Complaint narrative:
Personal information of mine was accessed by non-authorized people. This goes against the protection of my personal data and is a data breach.

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OR

Complaint narrative:
XXXX illegally accessed student loan information without my consent.

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: 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 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 — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX 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: 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: 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 XXXX 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 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a XXXX air wrap for XXXX and the package never arrived. So I contacted XXXX for a replacement or refund they said they could do neither. So I contacted capital one and disputes the charge as merchandise not received. The dispute came back in the merchants favor. So I basically paid {$500.00} for nothing. I contact capital one to reopen the dispute and they said if I provided supporting documents showing I spoke with a customer rep from XXXX that they could reopen it. I sent the documents and they denied my claim again.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-15 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me securing housing for me and my XXXX children. I am trying to move forward with my life.

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans through Nelnet and also XXXX grants. It has come to my attention that XXXX XXXX, XXXX, and young unqualified teenagers and individuals/entities associated with him, accessed sensitive student loan information without proper authorization. This breach of privacy and potential violation of data protection laws is deeply concerning and requires immediate investigation. 
This unauthorized access, starting somewhere around XX/XX/year>, has caused significant distress and raises serious concerns about the security and privacy of sensitive financial and personal information. It also undermines trust in the systems designed to protect such data. 
**Requested Actions : ** XXXX. XXXX a thorough investigation into this incident and identify the parties responsible for the unauthorized access. 
XXXX. Provide a detailed report of the findings and the steps being taken to prevent future breaches. 
XXXX. Notify all affected individuals and offer support, such as credit monitoring services, to mitigate potential harm. 
XXXX. Ensure compliance with all applicable data protection laws and regulations, including, the Family Educational Rights and Privacy Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX, and state privacy laws. 
I trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide information on the next steps in the investigation process. 
Thank you for your attention to this matter. I look forward to your prompt 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NY

Complaint narrative:
The Department of Government Efficiency and the assumed of head of said department, XXXX XXXX, unlawfully gained access to my student loans and financial information without consent. The access of my information by a third party, that I did not consent to, is a breach of contract on the basis that my personal information would be safeguarded by FSA. FSA and the Department of Education failed to safeguard my personal information from outside individuals and third parties who lack government clearance, ultimately leading to them having complete access to information that could lead to identity theft. Those same individuals lacking clearance, then left all of the government websites susceptible to be hacked.

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: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I first received a voicemail from a number XXXX on XX/XX/2025 the lady left me a voicemail stating her name was XXXX XXXX and she was calling in regards to my Claim XXXX  XXXX she said she has been instructed to contact my place of business since that is likely where I will be. She also gave me a number to contact the office and gave me the number XXXX. After listening to the voicemail I immediately called the number. The number said they were a company called XXXX that is all the information she would tell me. She said they had a claim against me that I was being sued for a debt I never paid for used furniture and that I owed XXXX XXXX but once we go to court I will owe over XXXX XXXX and asked if I wanted to make that payment before we went to court. I informed her I was not comfortable making a payment over the phone or giving any personal information. She was going to speak with her XXXX and put me on hold. I disconnect the call. I immediately called to the XXXX XXXX  and asked if I had any pending claims against me, I was told no and that this sounded like a scam. 
Fast forward to XX/XX/2025 I got a second voicemail from the XXXX number stating I have been ignoring her calls purposely and this was my final notice and my claim was ready to be filed to XXXX XXXX now. 
The next day my aunt calls me and says she recieved a call from this XXXX XXXX and she told her that I used her address and that if I am found at her home she will be in trouble also. 
I received a XXXX voicemail from XXXX XXXX this time on an actual number that I could call back the number is XXXX XXXXXXXX XXXX and this time she said they are moving forward with the order of location and I will be found I tried to call this number back but it just rings and does not give the option to leave a voicemail. I also called the first number provided XXXX and the answering machine says it is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate information on my credit report that continues to negatively impact my credit. Despite my attempts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items, as they are incorrect and does not appropriately reflect my credit history XXXX/venmo The amounts, other than balance and/or past due, are incorrect. 
The balance and/or past due amount are/is incorrect. 
XXXX XXXX This is not my account ; it belongs to a relative or person with similar name/address. 
XXXX This account was opened fraudulently.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter requesting for my personal information to be updated in accordance to my accurate information detail

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