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: EQUIFAX, INC.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX Department of Education XXXX XXXX XXXX XXXX : Dispute Claim for Federal Student Loan Forgiveness Due to FERPA Violation To Whom It May Concern, I am submitting this formal dispute claim regarding my federal student loans. I am requesting full loan forgiveness due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) by the [ Department of Government Efficiency or the specific agency involved ].

Under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), students educational records are protected from unauthorized disclosure. However, I have reason to believe that my educational records, including personally identifiable information ( PII ), were accessed, used, or disclosed without my consent, violating federal law and compromising my financial situation. This unauthorized action has had a direct and adverse impact on my ability to manage my student loan obligations, warranting immediate corrective measures, including full discharge of my loans. 

To support my claim, I am requesting : 1. A full investigation into the unauthorized access or disclosure of my records.

2. A formal acknowledgment of the FERPA violation by the responsible agency.

3. Immediate action to discharge my student loans as a remedial measure for this violation. 

Please confirm receipt of this dispute and provide a timeline for resolution. If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Student Privacy Policy Office ( SPPO ) and seek legal remedies if necessary.

I appreciate your immediate attention to this matter and look forward to your response. Please contact me at XXXX ] or by email at XXXX for any further information or documentation required.

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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
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: PA

Complaint narrative:
XXXX XXXX, a non elected official, has violated my privacy by accessing my secure private data through the department of education.

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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX XXXX Amount of debt : XXXX Date of Service : XXXX Provider of Service : XXXX Dear collection agent, I received a bill from you on [ date ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. 

I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization .

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with explanation
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: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Urgent XXXX Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " 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.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: 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: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX - XXXX  XXXX XXXX Balance : {$2900.00} Date Opened : - XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than XXXX days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional XXXX. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 — Account status incorrect
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
Someone stole my identity and ran up XXXX XXXX XXXX XXXX on my accounts. I settled all the other accounts no problem and had them remove the fraud, XXXX XXXX XXXX refuses to remedy the situation and will not contact me in regards to it. I filed a fraud report with the government and have proof of that. My credit has dropped over XXXX XXXX  due to this and it is severely affecting my mental health.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Experian for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Now XXXX XXXX XXXX XXXX XXXX XXXX was bought out by XXXX XXXX. 
XXXX report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
XXXX XXXX ( Auto Lease ) XXXX report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/year>. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Now XXXX XXXX XXXX XXXX XXXX XXXX was bought out by XXXX XXXX. 
XXXX report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
XXXX XXXX ( Auto Lease ) XXXX report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/2025. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have responded saying accounts verified but supplied no evidence or method of validation. They are not cooperating with me at all. The accounts were opened in result of identity theft

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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, my Navy Federal credit union account was accessed fraudulently. The fraud perpetrators used the XXXX XXXX texting, phone, email, and changed all the information in my account via password and login. They stole {$4900.00} from the account. I have filed XXXX fraud claims with XXXX XXXX. They have denied both. At this point, they said that theres nothing else that I can do and they will not give me a reason for the denial of the fraud. I have been a member since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief