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

Complaint narrative:
XXXX XXXX XXXX and Experian credit bureau are reporting this collection account on my credit report. I have no knowledge of this account I've never signed an agreement with this company I've never done business with this company I didn't authorize this company to obtain or have any of my personal private 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Studen
t Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 



I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Untimely response
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX XXXXXXXX on XX/XX/year> using my SSN and other details without my consent or knowledge. I request this hard enquiry XXXX XXXX XXXX on XX/XX/year> to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The bank is targeting me. Personally, addressing me, making me believe that the application is gon na be aproved with numbers that look like confirmation numbers and I makethe aplication application for the credit card and then the deny me causing me to hard application on my credit report. Already twice they refuse me, So why they're still targeting me? Making me believe I'm gon na get the credit card already XXXX  times

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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize too open or give permission to open

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

Complaint narrative:
This complaint is with TransUnion I dont have a middle name! My name is XXXX XXXX! I dont know who XXXX XXXX XXXX XXXX. Also I have no hard inquiry on my reports but its still showing reporting and its fraud. Please review XXXX reports which show more accurately

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: MI

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 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: AR

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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: SD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute my loan debt due to a breach of my personal and financial data, which constitutes a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive information was compromised as part of the recent data breach involving XXXX XXXX and XXXX, which exposed personal and financial details without my authorization. This breach has caused significant harm and placed my financial security at serious risk.

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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
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? '' ( published XX/XX/year> ). The report raises serious concerns about potential violations of the Family Educational Rights and Privacy Act ( FERPA ) involving XXXX XXXX and associated entities, allegedly accessing and deleting student loan records without proper authorization. 

As a borrower with active student loan obligations, I am alarmed by the implications of these actions on my financial standing and educational records. FERPA explicitly protects the privacy of student education records, and any unauthorized alteration or deletion of such records constitutes a grave violation of federal law. These reported actions not only compromise my rights but also call into question the security and integrity of my personal financial information.

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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally notify Experian for not properly investigating and CPFB for not doing enough to prevent Experian from continuously violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice and a request for immediate corrective action. 

Specifically, Experian has violated my rights under the FCRA in the following manner ( s ) : ACCOUNT 1 ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$7700.00} ACCOUNT XXXX ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$1700.00} ACCOUNT XXXX XXXX XXXX XXXX- THIS IS NOT ASSOCIATED WITH ME. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX- THIS IS NOT ASSOCIATED WITH ME. NEVER OPENED AN ACCOUNT WITH THIS LENDER. 

ALL OF THESE COMPANIES REFUSED AND IGNORED MULTIPLE REQUESTS AND EACH ONE EXCEEDED XXXX + DAYS TO FIX MY REPORT. 

Failure to maintain accurate and up-to-date information on my credit report, in violation of 15 U.S.C. 1681e ( b ).

Failure to properly investigate a dispute regarding inaccurate information on my credit report, as required by 15 U.S.C. 1681i.

Providing my credit information to unauthorized third parties without my consent, in violation of 15 U.S.C. 1681b. 

As a result of these violations, I have suffered harm, including [ explain the consequences, such as denied credit, higher interest rates, emotional distress, etc. ]. 

I demand that Experian AND CFPB take the following actions immediately : REMOVE ALL FOUR ITEMS LISTED ABOVE! 

Provide me with a detailed report on the investigation conducted regarding my disputes. 

Cease and desist from sharing my credit information with unauthorized third parties. 

Please consider this letter a formal demand for compliance with the FCRA. If these issues are not addressed within [ reasonable time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to pursue legal action to protect my rights. 

I expect a written response detailing the actions Experian AND CFPB has taken to resolve these matters.

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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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: NC

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts on my credit reports that I didnt give authorization or permission to open

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 your payment plan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
My information was illegally accessed by a non-government agency by the name oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) which was not approved by XXXX. Due to the wholesale termination of Department of Education staff and uncertainty surrounding repayment plans my existing Income Driven Repayment Plan ( IDR ) has been terminated, although this plan was not included in the injunction placed by a federal judge since I was not enrolled in the SAVE plan.

Due to the illegal access of my personal data by parties without clearance to have that data, as well as the bad faith actions taken on part of the president to needlessly harm his constituents, I ask that my student loans be discharged.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX i have delivered a letter communicating with Mohela the debt collector about ceasing all communications in regarding to a debt, they are violating the FDCPA which is a violation of my rights. Mohela did not comply. On XX/XX/XXXX I have delivered another cease and desist letter and they are still not complying once again, again violating my rights under the Fair Debt Collections Practices Act. Now the creditor is threatening to garnish my wages and threatening to report to the consumer reporting agencies as delinquent. Mohela also admits that are a debt collector defined in the FDCPA which is attached to this complaint, also attached to this complaint are the letters including the certified mail dates, along with the constant communication from Mohela.

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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX unlawfully, and without my knowledge access my data on my federal student loan account without my consent.

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 — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
There has been a lot going on with student loans between XXXX, government changes, etc., however, my loan information is incredibly confusing and despite reaching out and trying to set up a consistent payment plan, almost impossible to manage. For example, I received a statement saying that I paid interest for my XXXX tax statement, but I don't have a record of payment. It also says there was a disbursement in XXXX what looks like {$51000.00} but I used these funds for education in XXXX ... I have the records I can provide to give a better picture of what's going on, but something strange happened between XXXX and XXXX to grow what I owed by almost {$40000.00} and I haven't received ANY answers from EDfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Complaint Against Truist Bank for Discriminatory Treatment** Dear Sir/Madam , I am writing to file a complaint against Truist Bank, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I went to open a bank account, and I was treated unfairly. I showed my ID, but the bank staff said it didnt feel real and questioned my identity. I then showed two more IDs, but was still asked to leave, with a threat of police involvement. The bank employee in question is XXXX XXXX. 

I believe this was based on my XXXX  XXXX heritage and the XXXX  XXXX  I wear. I wasnt given an explanation or a chance to fix the issue. I was simply told to leave. 
I am asking for an investigation into this incident, an explanation from the bank, and a monetary settlement for the distress and humiliation I experienced due to their actions.. 

Please let me know if you need more information. You can reach me at XXXX or XXXX Thank you for your attention. 

Sincerely, XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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