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: NJ

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding an egregious violation of my privacy rights involving XXXX XXXX and the Department of Government Efficiency ( DOGE ). I have reason to believe that my private financial data, including my student loan records, was accessed without my consenta direct violation of my consumer rights and federal privacy laws. 

As a result of this unauthorized access, I demand the immediate removal of my student loans from my credit report and a full investigation into this matter. The exploitation of my personal information by XXXX and the Department of Government Efficiency is unacceptable and has caused significant financial harm, stress, and unfair reporting on my credit profile. 

I am formally requesting that the CFPB : - Immediately remove my student loans from all credit reporting agencies ( XXXX, Equifax, and XXXX ) as a corrective action for this privacy breach. 
- Conduct a full investigation into how XXXX XXXX and the Department of Government Efficiency ( DOGE ) gained access to my private financial records.

- Hold all responsible parties accountable for any violations of federal privacy and financial protection laws. 

Provide written confirmation within 30 days verifying the removal of my loans from my credit report and the status of the investigation. 

If this matter is not addressed promptly, I will have no choice but to pursue further legal action and escalate my complaint to other regulatory agencies. The CFPB has a duty to protect consumers from unauthorized data breaches, and I expect swift action to resolve this serious issue. 

I demand immediate confirmation that my student loans have been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

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: FL

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX due to late payment. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report. 

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts.

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account XXXX According to the law XXXX Is supposed to XXXX their balances... 
Or remove their account... 
When a XXXX sells their account It means they got paid for their account ... or put it into recovery .... 

XXXX Balances is supposed to be written XXXX Balances is supposed to be written on Debt Remove debt from payment history And XXXXXXXX XXXX  completely You are still writing XXXX in XXXX XXXX Credit report... 

Please understand how to do your job I do not want to see owed debt when I log into my account... 

XXXX Balances are XXXX When you sold your account ..you can not collect twice... 
Because you got transferred to recovery and it means you got paid... 

XXXX XXXX needs XXXX removed from Credit Balances Removed from Utilization Therefore his utilization needs to be fixed It is 75 percentage and XXXX XXXX is not using any credit .... 


Remove owed debt from payment history.. 
XXXX has sold their account and is therefore paid I don't want to know about errors and what you found in errors.. 

I did not asked for an update I asked for Deletion And fix of account Because you error and dropped my score from XXXX to 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 2025-03-13 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, my checking account was charge {$300.00} twice back to back for a total of {$600.00} and the only thing listed on the transaction was GD-Loan with no number or verified company name. I filed a dispute with Chase bank on XX/XX/year>. The issued a temporary credit while they research. On XX/XX/year> they revoke the credit stating the charges was authorized but did not provide me with a number or actual company name. First the Chase claim representative stated the charges came from XXXX XXXX XXXX, I told them they were paid on the second of XXXX and another loan was not done. I contacted the company to make sure and they stated they are not affiliated with GD-Loan and no new charges was added to my account by them. I call the claims representative back at Chase and now they claim they have documents from the merchant they will mail to me. I can not be without my funds. The bank let unauthorize transactions occur to my account and now are refusing to return my funds. I would like to file a consumer complaint on Chase, the company listed as GD-Loan, and if the XXXX XXXX XXXX is involved them as well. I still have not receive my money back. I can not afford to be penalized for items I did not authorized.

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 — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I first attempted to dispute inaccuracies on my consumer report through Experians online system but was unable to do so. I then sent formal dispute letters requesting that my personal and private information be updated accurately, all outdated information be removed, and hard inquiries without permissible purpose be deleted.

Additionally, I demanded that Experian validate every entry they allow on my consumer report and provided them more than 30 days to comply. Experian failed to meet their legal obligation to conduct a proper reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
There are multiple entities reporting inaccurate and fraudulent information on my consumer report, yet Experian has not fulfilled its duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. They did not conduct a reasonable investigation and failed to remove the disputed information.

I am providing attachments as evidence of my dispute history and Experians noncompliance.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: OH

Complaint narrative:
I've gotten repetitive text messages with a link asking me to pay a debt I don't owe! I've never heard of them before and I believe they want me to click the link to steal my info. they want me to click to pay a debt that I don't even get information to know if it's me or not and phone calls from this company, I finally called them back today and I asked them who it was that they were trying to collect a debt from, they in return to my question asked a question. They asked me what my name was, correct me if I'm wrong but if they're collecting a debt from someone shouldn't they know who they're trying to collect the debt from? They refused to tell me so I asked them to take my number off of their list and they have not left me alone I'm not telling them my name that is their problem and prerogative if they're trying to collect a debt from someone they should already know who it is that they're trying to call! 
The name of the company is called or what they say it's called is " FROST-Arnett a debt collector '' That's the exact name they are using in quotation marks!

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: LA

Complaint narrative:
I have not supplied proof under XX/XX/XXXXXXXX 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I have asked Fay Serving to change my address for the past 12 months on all the 10 loans I have under XXXX XXXX XXXX XXXX XXXX 

They have not done it as yet despite over 10 calls their call center and I need this fixed.

Change Address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX

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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Request to Cease Reporting Financial Information to Credit Bureaus Under Federal Law Dear Sir or Madam, ( XXXX XXXX CREDIT BUREAU & THE REPORTING CREDIT BUREAUS ) I am writing to formally request that XXXX XXXX immediately cease reporting all financial information related to my XXXX XXXX accounts to the credit bureaus and remove any such data from my credit report. This request is made in accordance with my rights under federal law, specifically 15 U.S. Code 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the right to opt out of nonpublic personal information being shared with third parties, except under certain conditions. 

According to 15 U.S.C. 6802 ( b ) ( 1 ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution provides clear and conspicuous notice that such information may be disclosed.

The consumer is given the opportunity to opt out of such disclosure.

The consumer is provided with an explanation of how to exercise that option.

I am exercising my right under 15 U.S.C. 6802 ( b ) to opt out of any further disclosure of my financial information to nonaffiliated third parties, including credit reporting agencies. Additionally, under 15 U.S.C. 6802 ( c ), any third party that has received my information from XXXX XXXX is also restricted from further sharing it, which includes credit bureaus.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information furnished to credit bureaus if I do not consent to its disclosure. Since I am expressly revoking my consent for XXXX XXXX to report my financial data, any continued reporting would constitute a violation of federal law. 

I kindly request that XXXX XXXX and the credit bureaus promptly process this request in accordance with federal law. Failure to comply will leave me no choice but to pursue legal action to enforce my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please provide a written confirmation of your compliance with my request within 30 days of receiving this letter. If you require any further information to process my request, kindly inform me in writing at the address provided above. I have attached a copy of the above referenced law in the file attached called, XXXX XXXX  ''. It is hope that you will honor my request as if you fail to do so then I will be forced to seek legal actions to preserve my rights based on the laws listed in this notice. I am still liable for all debts owed to XXXX XXXX but I am exercising my rights to opt out of having my information shared with any third parties including the credit bureaus. 

Sincerely, XXXX XXXX

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: Nelnet, Inc.
State: NJ

Complaint narrative:
XX/XX/year> My personal and financial information was compromised without my authorization. 

The Family Education rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

The President of the United states allowed XXXX XXXX a Stranger to access my personal information Given the Severity of this breach and the resulting compromise of my personal and financial information I request that you immediately cancel and discharge my student loan debt. 

Sincerely,

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 — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I went into the XXXX XXXX XXXX Citizens bank branch in XXXX, MA to use the ATM machine to deposit {$1100.00} into the ATM machine and there was an error with the machine. The machine did not credit my account and it didn't return my funds. There was an error message that came on the screen that stated the transaction could not be completed. I also received a receipt stating the error and that the machine was unable to return the deposit and I would have to contact my bank. I called on the branch on next business day and reported the issue and was told to contact the XXXX number to put in a claim. I put in a claim and was issued a " credit '' about 10 days letter. About a month later I was informed that it was a temporary credit and they were still investigating the situation. I then received a letter on XX/XX/XXXX that the investigation was complete and that they would reverse the credit as the investigation concluded there was no error.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 2025-03-13 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: GA

Complaint narrative:
Subject : Fair Credit Reporting Act Violation Dispute of Unauthorized Accounts In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Violations : 15 U.S.C. 1681 Section 602 ( a ) I have the right to privacy regarding my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A furnisher shall not report inaccurate information or information they have reason to believe is inaccurate. 
Disputed Accounts : XXXX XXXX Account # XXXX {$41000.00} XXXX XXXXXXXX Account # XXXX {$0.00} XXXX XXXXXXXX Account # XXXX {$2400.00} XXXX Account # XXXX {$0.00} XXXX XXXX XXXX Account XXXX XXXX {$130.00} XXXX XXXX XXXX Account # XXXX {$750.00} XXXX XXXX XXXX XXXX Account # XXXX {$1100.00} These accounts are unauthorized, inaccurate, and/or improperly reported. Please delete these items from my credit report immediately per the FCRA. If verification can not be provided, failure to remove these accounts may result in further legal action.

Company response to consumer: Closed with non-monetary relief