vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute and report what I believe to beunauthorized access, misuse, or unlawful disclosure of my confidential student loan informationby XXXX XXXX, DOGE, and/or affiliated entities. This conduct raises serious concerns under multiple federal laws, including but not limited to : 1. The Family Educational Rights and Privacy Act ( FERPA ) Protects the privacy of student education records.

2. The Gramm-Leach-Bliley Act ( GLBA ) Requires financial institutions to safeguard sensitive data.

3. The Fair Credit Reporting Act ( FCRA ) Governs the accuracy and use of credit information.

4. Consumer Protection Laws Prohibit deceptive or unfair business practices. 
Summary of Violations I became aware that my private student loan information may have beenaccessed, shared, or exploited without my consentin connection with XXXX XXXX, DOGE, or related parties. This unauthorized access has caused mefinancial harm, emotional distress, and damage to my credit reputation. 

Demand for Remedies Given the severity of these violations, I demand the followingimmediate corrective actions : 1. Full Student Loan Discharge My federal and/or private student loans must beforgiven in fulldue to the unlawful access and misuse of my data. 
2. Removal from Credit Reports All negative reporting related to these student loans must bepermanently deletedfrom my credit files with all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
3. Investigation & Transparency A full investigation into how my data was accessed, including : * A written explanation of the breach. 
* Confirmation that any improperly obtained data has beendestroyed. 
* Disclosure of any third parties that received my information.

4. Financial Compensation If applicable, reimbursement for any damages, including but not limited to : * Credit repair costs.

* Emotional distress. 
* Legal fees incurred due to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of kidnapping and armed robbery, during which unauthorized XXXX transfers were made from my Bank of America account ( XXXX XXXX ). This incident was reported to the police and is confirmed in an official police report. The local news even talked about how I suffered! 

I filed a fraud claim with Bank of America ( on XXXX XXXX, 2025 ) regarding the unauthorized XXXX transactions. I gave them a police report and all contacts of my detective to prove my case. However, without properly investigating the matter, the bank deleted my claim. I was never contacted by phone or email only a physical denial letter was sent. I received this letter dated XX/XX/year>, only on XX/XX/XXXX, long after the appeal window had passed. 

I discovered that my claim had been closed and deleted only by accident before the letter even arrived. Due to this delay, I was never given a fair opportunity to respond, appeal, or provide additional documentation, including the police report confirming the incident. 

I made several attempts to reach Bank of Americas customer service and claims department to reopen the claim or escalate the matter, but I received no resolution. They refused to reconsider my case, despite the serious nature of the incident and the supporting law enforcement documentation. 

As a consumer, I feel that my rights under Regulation E ( Electronic Funds Transfer Act ) were violated. I am requesting that CFPB review my case and ensure that Bank of America reopens my fraud claim and provides a fair investigation.

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 monetary relief
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I am filing this complaint as a verified victim of identity theft related to the Equifax data breach, as documented in my FTC Identity Theft Report # XXXX. 

I formally notified the credit bureau and submitted : Despite following the correct legal process under the Fair Credit Reporting Act ( FCRA ), the credit bureau has failed to remove multiple fraudulent accounts that are damaging my credit and emotional well-being. 

The accounts still reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau is now in violation of the following federal laws : FCRA 1681c-2 ( 15 U.S. Code 1681c-2 ) : Failure to block identity theft-related information within 4 business days. 

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information. 

FCRA 1681e ( b ) : Failure to maintain reasonable procedures for maximum possible accuracy. 

FCRA 1681n & 1681o : Willful and negligent noncompliance with the FCRA entitling me to damages. 

I am demanding the immediate and permanent removal of the fraudulent accounts and the following : A detailed Method of Verification ( MOV ) explaining how these accounts were verified Confirmation that these accounts have been permanently deleted A formal apology and updated consumer disclosure reflecting the corrections This negligence has : Caused severe emotional distress Denied me credit approvals and housing opportunities Prevented me from qualifying for financial assistance Forced me to repeatedly dispute known fraudulent data I am asking the CFPB to intervene immediately and hold the bureau accountable for its refusal to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: RI

Complaint narrative:
These disclosuressome of which are erroneous, unverifiable, or outdatedconstitute clear violations of the FCRA. Under 605B, any information resulting from identity theft or that can not be verified must be permanently deleted, not simply flagged or marked as disputed. Furthermore, your reporting practices must conform to XXXX XXXX compliance standards, which dictate deletionnot suppressionof unverifiable, obsolete, or erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
I am disputing a tradeline reported by XXXX XXXX XXXX, XXXX ( XXXX ) related to XXXX XXXX XXXX XXXX, account # XXXX. The account is time-barred under Florida Statute 95.11 ( 3 ) ( k ) and remains unverified despite multiple requests for documentation. Neither ARI nor their legal agent, XXXX and XXXX, provided a signed contract, debt purchase agreement, or itemized breakdown. Equifax also failed to mark the account as disputed, violating 15 U.S.C. 1681s-2 ( a ) ( XXXX ). This resulted in a credit denial from XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 FTC STATES THAT COLLECTION COMPANIES ARE ILLEGAL! .. 


PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-01 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: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, Collector : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Meta Payments Inc.
State: LA

Complaint narrative:
I am a licensed attorney and the owner of XXXX XXXX XXXX, a Louisiana-based law firm. I have also been a paid Meta Verified subscriber. For many months, I have tried to either regain control over or have permanently removed several unauthorized XXXX pages and URLs that use my full legal name and old law firm branding, which are no longer active or authorized. These pages still show up in search results and appear to represent my business, but they are false and misleading. 

The branding in question is from a prior version of my law firm, previously known as XXXX XXXX XXXX XXXX - Immigration and Citizenship Attorneys. These outdated pages do not reflect my current business and have the potential to confuse the public or direct clients to incorrect or abandoned information.

Despite repeated efforts using Metas official reporting channels, including impersonation, trademark, and right of publicity reports, no resolution has been provided. In the few instances where I managed to speak to an actual person at Meta, I was told to report it and maybe, over some time, it could fall off. This is an unacceptable response.

As a verified paying subscriber and legal professional, I have a right to protect my identity and brand. These pages present a risk of consumer confusion and reputational harm. Meta has failed to take meaningful action after good-faith efforts on my part. 

I am requesting assistance in compelling Meta to do one of the following : 1. Transfer administrative access to these pages that reference my old branding and legal identity 2. Permanently remove the false and misleading pages to prevent ongoing public confusion The page urls in question are : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
Original creditor had reported this on my credit as a write off. XXXX XXXX!!! Jefferson capital is reporting this same debt. So it is being reported on my credit twice which is affecting my credit score. Both parties need to remove off credit because this was fraudulent taking out by a deceased family member whom was living with me at the time. Was not aware of debt until unexpected passing of family member. She was paying the debt prior to her death. Knew nothing about the debt until almost 3 years ago. Paperwork sent did not match my signature and other errors was noted as well. I have sent letters and copy of driving license with my signature also phone number that was used on the application has never been my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am disputing Nelnets attempt to collect on a student loan that no longer exists. I disputed the account with all three credit bureaus in XXXX, and by XXXX, it was confirmed closed/removed. Nelnet has failed to provide proper debt validation despite multiple requests in XXXX and XXXX. The U.S. Department of Education and my credit reports reflect the account is no longer valid. Nelnets continued collection attempts violate the Fair Debt Collection Practices Act ( FDCPA ). I have attached proof of my dispute and credit report results. I am requesting CFPB investigate this matter and ensure Nelnet stops contacting me about an invalid account. 

Activity Timeline below : XX/XX/XXXX - First Debt Validation Packet to Nelnet and the XXXX Department of Education ( both certified mail ) XX/XX/XXXX - Credit Dispute via XXXX XXXX XXXX XXXX - Credit dispute on all School loans accepted via XXXX  XX/XX/XXXX - NELNET Phone Call to me ( missed ) XX/XX/XXXX - NELNET return Phone Call from me to get information and validation - confirmed credit companies update Nelnet on accounts at the end of the month, asked for validation and the rep hung up on me. 
XX/XX/XXXX - Documenting the Process on how I asked for Validation XX/XX/XXXX - Sent Final letters of notice to remove the debt and a cease/desist to Nelnet via certified mail XX/XX/XXXX - Nelnet Called twice/ Answered twice but no one responded and Nelnet hung up both times XX/XX/XXXX - Received another debt collection letter XX/XX/XXXX - Called Nelnet to get assumed loan amount and see why was it wasn't reflecting closed account, confirmed with the rep that they did receive the first letter but never responded. 
XX/XX/XXXX - Called XXXX to get the amount and see the disruption - Lady was really rude XX/XX/XXXX - Sent Nelnet a digital copy of proof the alleged student loan was no longer on my credit report via all three credit reports and XXXX XXXX XX/XX/XXXX - Filed a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by XXXX XXXX. 
Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. 
My payments, due on or around the XXXX of each month ( e.g., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), were reported as late without proper notice. 
I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. 
Please find attached my dispute letter and supporting documentation.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX sent me a check for my house to get fixed in XX/XX/year> and I had just opened navy federal account in XX/XX/year>. Once I received my check I deposit into my navy federal in they held my check and funds for 45 days saying the check was fraud. I showed proof multiple times. They closed my account saying to prevent me from doing fraud XXXX cant bank with them. I feel like I was denied cause Im black living in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by XXXX XXXX. 
Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. 
My payments, due on or around the XXXX of each month ( e.g., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), were reported as late without proper notice. 
I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. 
Please find attached my dispute letter and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony XXXX XXXX authorized a payment to XXXX XXXX for {$5000.00} on XX/XX/XXXX, for implants that have not been completed. 
On XX/XX/XXXX, I had seven teeth extracted and prongs placed in my lower jaw and a temporary lower denture. This was the first stage of the implants. 
I was given an appointment to return for the second stage of implants in XXXX, XXXX, after the healing process. 
I was told by a staff member that they were no longer doing implants and that I would be responsible for the remaining balance of {$3900.00}. I learn that was untrue My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needed to submit documents for a pre-authorization. XXXX XXXX have not done so, to this day. 
I was told that the XXXX, XXXX XXXX XXXX, who performed the first stage of the implants was XXXX in XXXX, XXXX. 
XXXX XXXX was not able to get a pre-authorization. 
I did not authorize Synchrony Bank to pay for incomplete dental services under false pretense.

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