vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this formal complaint to report a serious breach of my privacy and a likely unlawful access to my federally protected student loan records. I believe that XXXX XXXX, either directly or through channels connected to the Department of Government XXXX ( XXXX ), has accessed my federal student loan information without my consent, without legal authority, and without clearance under any existing federal statute. 

This constitutes a potential violation of several critical federal laws designed to protect borrower data and prevent unauthorized surveillance or data mining, including : 1. Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g Protects education records from unauthorized disclosure or access, except to explicitly authorized parties.

2. Privacy Act of 1974 5 U.S.C. 552a Prohibits unauthorized access or dissemination of personal information maintained by federal agencies.

3. Higher Education Act 20 U.S.C. 1098g Limits use or disclosure of federal student loan information solely to statutorily approved purposes.

4. Computer Fraud and Abuse Act ( CFAA ) 18 U.S.C. 1030 Makes it a crime to access protected government or federal systems without proper authorization. 

To my knowledge, XXXX XXXX does not hold any official position within the U.S. Department of Education nor is he lawfully authorized to access federal loan servicing platforms or student data repositories. His involvement via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) raises serious concerns about potential systemic misuse of government infrastructure or partnerships for private surveillance or data analytics on borrowers like myself. 

Remedy Requested : Due to this egregious violation of my privacy and unlawful access to my federal student loan information, I am demanding that all of my federal student loans be forgiven in full. The breach of federally protected data, especially by a high-profile figure acting without statutory clearance, warrants immediate and full debt relief as a compensatory measure. 

I respectfully request that your office initiate a formal investigation into : 1. The nature and extent of XXXX  involvement in federal loan data systems.

2. The role of XXXX XXXX or affiliated entities in accessing or influencing this data. 
3. Steps toward immediate forgiveness of all affected borrower accounts, including mine, due to this breach. 

Please acknowledge receipt of this complaint and notify me of next steps in your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 Permissible Purpose : 15 USC 1681b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or c onsent. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/scrub>XXXX 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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I had overdraft on my account which I paid. I have XXXX in that account and they keep telling me they will send when they close my account but still have not closed this has been going on since XX/XX/year>. I spoke with multiple supervisors and get nowhere. I have rent to pay and bills. I am XXXX hours from the bank so I dont have option of going to take out at branch, which they told me i could go to a branch but being that I am XXXX hours away that is not an option. I am at XXXX end with this bank and it is causing allot of stress. I just want account closed and my money that is in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: WI

Complaint narrative:
XXXX XXXX and XXXX accessed my personal records and files illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681e ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX SSN : XXXX Attention : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Debt Validation Request Pursuant to FDCPA 15 U.S.C. 5 1632g ) /15 U.S. Code 1681c-2 valuation I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g 6 hereby request that you provide full validation of this debt. Under federal law, you are required to cease all collection activities into you furnish me with proper documentation. proving the validity of this alleged debt.

I am requesting the following information : 1.The name and address of the original creditor.

2. A copy of the original contract, agreement, or signed instrument bearing my signature that establishes my obligation to the debt 3. A full itemized accounting of the alleged debt, including all payments, fees, interest, and charges applied 4.Proof that you have the legal authority to collect this debt by providing documentation that XXXX XXXX XXXX owns or has been assigned this debt.

5. Verification that the statute of limitations has not expired on this debt under applicable state law 6. Any judgment obtained against me, if applicable.

Until you provide all requested documentation, I demand that you cease all collection efforts, including reporting this debt any credit reporting agencies, calling me, or sending further collection notices. Any continued attempts to collect without proper verification may constitute a violation of the FDCPA and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. {$1600.00} Furthermore, be advised that if you fail to provide proper validation and continue to pursue collection efforts, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office Please respond to this request in writing within 30 days of receiving this letter. Also, note that I prefer all communication to be made via mail and not via phone calls.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized accounts : : ACCOUNTS : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiries : VA XXXX XXXX XXXX XXXX XXXX XXXX Thank you.. 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX ACCOUNT # XXXX, XX/XX/year> ) ( Collection )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me from productively moving forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX  have viewed and downloaded personal data without my permission. This is a breach of the contract I signed. 

My personal and financial information was compromised without my authorization. The XXXX XXXX XXXX  and Privacy Act protects the confidentiality of student records. This breach is a clear violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX TransUnion, Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall 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. 
Remove Non mailing fraudulent addresses listed below : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Remove Unauthorized Fraudulent Accounts Listed Below : ( FCRA Law ) XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XXXX XXXX, XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX  ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Collection account. 
XXXX. XXXX XXXX XXXX ( XXXX ), Opened XXXX XXXX, Collection account. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Collection. 
XXXX. XXXX XXXX XXXX  ( XXXX ), Opened XX/XX/XXXX, Revolving Remove Unauthorized Fraudulent Inquiries Listed Below : ( FCRA Law ) XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with non-monetary relief