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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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: TX

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 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: TX

Complaint narrative:
after review of my consumer report i noticed multiple fraudulent items i am requesting block and delete of this 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I had XXXX accounts marked as delinquent accounts because there werent any payments at XXXX  days. I was under the impression that they were automatic payments every month. Because of this, it dropped my credit score XXXX points. If I had known the payments werent going through I wouldve fixed it. There wasnt a problem of having no money to pay off the student loans, I just wasnt aware they werent being paid.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy. 15 USC 1681 sections 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today XX/XX/year> as I attempted to use my Debit Card ending in XXXX. It was declined at the Store. And when I called PNC Bank to inquire about this the representative asked me a slick and dishonest question on whether this is in relation to a former card that was supposed to be canceled ending in XXXX. And prior to this I tried reaching their escalation department and strangely all of their contact numbers are not excepting calls. This is nothing but pathetic civil rights violations.

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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational 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.

Company response to consumer: Untimely response
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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX has violated my privacy with these loans. I never agreed to him having access to my 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
What happened? 

I am filing a complaint regarding unauthorized access and potential misuse of my personal financial information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in collaboration with the Department of Education ( ED ). 

In early XX/XX/XXXX, reports emerged that XXXX staff had been granted access to sensitive federal student aid data, encompassing personal financial details of over XXXX XXXX student loan borrowers, including myself. It was further revealed that XXXX  personnel were inputting this sensitive data into an AI system via XXXX XXXX to identify spending cuts, including contracts deemed non-essential or not legally mandated. 

This extensive access to personal financial information raises significant privacy concerns, especially considering that at least XXXX XXXX employee with access to XXXX  internal systems had not completed the mandatory ethics and security training. The potential for misuse of such data, particularly when processed through AI systems without proper oversight, poses a substantial risk to borrowers privacy and financial security. 

Additionally, on XX/XX/XXXX, the XXXX XXXX XXXX XXXXXXXX XXXX filed a lawsuit against the Department of Education, alleging that the sharing of student loan data with XXXX violated the Privacy Act of XXXX. The lawsuit highlighted concerns about unauthorized use of sensitive information, including Social Security numbers and bank account details, and the potential for privacy breaches such as identity theft. 

Given these developments, I am deeply concerned about the security and confidentiality of my personal financial information held by the Department of Education. 

I appreciate your prompt attention to this serious matter and look forward to your 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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiry, dated XX/XX/XXXXXXXX  and XX/XX/XXXX, was conducted by JPMCP CARD ; and XXXX 

Under 15 U.S.C. 1681b, there are strict guidelines on the permissible purposes for obtaining a credit report. I did not authorize this inquiry, and as such, it constitutes a breach of my rights under this statute. Additionally, I am exercising my right to dispute inaccurate information on my credit report as outlined in 15 U.S.C. 1681i.

As instructed by the Federal Trade Commission 's guidance on credit reporting, I request the immediate removal of this unauthorized hard inquiry. 

I have enclosed a copy of my credit report highlighting the inquiry in question, along with identification documents for verification purposes. Please investigate this matter and provide written confirmation of your actions. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

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 FERPA : Did Doge Breach Student Loan Contracts? '' ( XXXX XXXX ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

5. Deletion of all current student loans due to FERPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
on XX/XX/year>, I sent {$5000.00} to my nephew via MoneyGram app. on XX/XX/year>, when my nephew went to pick up the money, MoneyGram representative refused to pay the money and stated that the money has already been picked up. My nephew notified me and I contacted MoneyGram right away. I requested for proper legal evidence such as a copy if government issued identification card and XXXX signatures that MoneyGram is supposed to collect at the time of delivering the money, to confirm that the right receiver picked up the money, however, MoneyGram refuses to provide me all this information and closed my case. I lost {$5000.00}. 
The original reference number with MoneyGram is XXXX and the last case number is XXXX.

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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this to cfbp case number XXXX I need to know if my claim XXXX if that charged for {$8.00} for door dash posted date XXXXXX/XX/year> if it was posted to my account as charged or refunded or not charged if it was posted to my account I need yall to reopen my claim up and investigate it again because the dispute department claim it wasnt billed to my account and they closed it and when yall reopen it up or appeal it to be reopen and investigation again send me the new decision because I disagree with the old decision please look at the attachment below etc and also find out for me if {$8.00} was refund to my account or credit to my account for onlyfans or if the dispute is still in progress for only fans for {$8.00} and give me the update to that please etc checking account number is XXXX and saving account number is XXXX etc

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: 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 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: Improper use of your report — Reporting company used your report improperly
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 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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
AMERICAN PROFIT recovery is trying to collect a debt from me that I dont owe and they never send me a mail to my address or notify me that I can dispute the debt account number is XXXX now they damage my credit report and my mood living and my credit worthiness they also doesnt register or have a licenses to collect debt from me because Im located in XXXX  and XXXX require a license to collect debt they need to remove this collection from me credit for fraud and also proper credit reporting laws that they didnt comply with else I have to take legal action

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiry, dated XX/XX/XXXX and XX/XX/XXXX, was conducted by XXXXXXXX XXXX ; and SYNCB/TJX. 

Under 15 U.S.C. 1681b, there are strict guidelines on the permissible purposes for obtaining a credit report. I did not authorize this inquiry, and as such, it constitutes a breach of my rights under this statute. Additionally, I am exercising my right to dispute inaccurate information on my credit report as outlined in 15 U.S.C. 1681i.

As instructed by the Federal Trade Commission 's guidance on credit reporting, I request the immediate removal of this unauthorized hard inquiry. 

I have enclosed a copy of my credit report highlighting the inquiry in question, along with identification documents for verification purposes. Please investigate this matter and provide written confirmation of your actions. 

Thank you for your prompt attention to this important matter. 

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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
Made a payment for {$1500.00} on XXXX and was sent a confirmation number/receipt by email. On XXXX, I attempted to use the card but was denied for insufficient funds. 

After speaking with my bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), it was discovered that the credit card company ( Fifth-Third Bank ) had rejected the payment without notifying me. Once I contacted them to resolve the issue, they insisted that my personal bank was at fault.

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: SC

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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX has messed with the department of education and could have actually leaked my personal information out so I don't trust that me paying this regularly will be good or even

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
It is reporting on my credit for that the account was charged off meaning that it was written off as a tax write off. However, I never received a 1099c form. Which is reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation