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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
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: KY

Complaint narrative:
My personal information has been accessed by personnel in the Doge dept and an unelected member of the Federal Government without my conscent through the Department of Education

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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax 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 a personal credit card account opened at XXXXXXXX XXXX opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with XXXX XXXX  on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax 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 a personal credit card account opened at XXXXXXXX XXXX opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with XXXX XXXX  on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
These companies are reporting inaccurate information such as late payment when I was never late on any account also a fraudulent open account XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
These companies are reporting inaccurate information such as late payment when I was never late on any account also a fraudulent open account XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Navy federal credit union XX/XX/XXXX capital XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Navy federal XX/XX/XXXX Navy federal XX/XX/XXXX, XX/XX/XXXX

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: I.C. System, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX I C System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE TO CEASE AND DESIST Pursuant to 15 USC 1692c ( c ) ATTN : To whom it may concern, I, Executor of XXXX XXXX XXXX XXXX have become aware of multiple violations of Consumer Credit Protections Laws by I C System Correspondence in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, and harassment in connection with the collection of the alleged debt. 
Pursuant to 15 USC 1692c and 15 USC 1692g ( b ), I disputed the alleged debt, and I am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.

Send an audit trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of agreement, ledger of the account, The XXXX of my profile with the creditor and anything else relating to the consumer for review and validation : XXXX out the balance and delete all accounts held by debt collector from all consumer reporting agencies. 

Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Any further communication with the consumer MUST be in writing, delivered via mail to the mailing address above. 

Again, this a notice pursuant to the Fair Debt Collection Practices Ace ( FDCPA ),, failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) Be taken as tacit agreement to the claims set forth, b ) Grant the consumer all demanded remedies, and c ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  ) assignees who are debt collectors are responsible for the actions of those collecting on their behalf. XXXX  XXXX, XXXX XXXX at XXXX. ) Respectfully, XXXX XXXX Without Prejudice

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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Inaccurate Information and Resolution of Dispute with PayPal Dear Sir/Madam, I am writing to formally request the removal of inaccurate information reported by PayPal on my credit report, as well as to address the issues surrounding the debt in question.

I have discovered that PayPal has reported my account as charged off and has included numerous late payments, which I believe are inaccurate. My PayPal account was locked, preventing me from making payments on the debt, and additional fees were unjustly added to my account. This situation has caused significant harm to my credit standing. 

I would like to explain that the debt in question became problematic due to PayPal 's actions. When my account was locked, I was unable to access it to make necessary payments, leading to the accumulation of fees and the reporting of late payments. This is not a true reflection of my creditworthiness or payment behavior.

Furthermore, I am requesting that PayPal ceases any harassment related to this debt and refrains from selling this debt to any third party. These actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including but not limited to : - 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to credit reporting agencies.

- 15 U.S.C. 1692d, which prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

I respectfully request that the Consumer Financial Protection Bureau intervenes to ensure that PayPal updates the inaccurate information on my credit report, removes any incorrect late payments, and corrects the status of my account. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely,

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 — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX and DOGE has violated my rights and has been allowed access to my private records. This is a violation of privacy as I did not consent for a third party nor XXXX, to have access to my personal records. As a result, i am requesting full release and forgiveness from my loans that I attained during my enrollment at XXXX and 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: MOHELA
State: PA

Complaint narrative:
I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans through Mohela and also XXXX XXXX. It has come to my attention that XXXX XXXX, DOGE, 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 : ** 1. Conduct a thorough investigation into this incident and identify the parties responsible for the unauthorized access.

2. Provide a detailed report of the findings and the steps being taken to prevent future breaches.

3. Notify all affected individuals and offer support, such as credit monitoring services, to mitigate potential harm.

4. Ensure compliance with all applicable data protection laws and regulations, including [ mention relevant laws, e.g., the Family Educational Rights and Privacy Act ( FERPA ), Gramm-Leach-Bliley Act ( GLBA ), or 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 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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My student loan information may have improperly accessed by a nongovernmental employee I fear my information has been compromised and would like this removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Sold property, XXXX paid off by escrow on XX/XX/year>. As of XX/XX/year> the servicer Shellpoint Mortgage is still reporting the account as open with the PRE-PAYOFF balance. 

Calls, email via link on their customer service page all lead to no action by the servicer.

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: Nelnet, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX, XXXX and XXXX and I noticed some late payments on my credit report : Original Creditor : Nelnet Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15
USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company. 1. Defamation of Character ( per se ) 2. Negligent
Enablement of Identity Fraud 3. Fair Debt Collections
Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, 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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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