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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within XXXX days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting these unauthorized inquiries be removed from my credit profile. These inquiries listed on my credit report were not done nor authorized by me. I am requesting immediate removal of these inquiries. 

INQUIRY XXXX : XXXX XX/XX/year> INQUIRY XXXX : XXXX XXXX XX/XX/year>

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: EQUIFAX, INC.
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 securing housing for me and my XXXX children. I am trying to move 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have a charge off amount of {$160.00} on my XXXX credit report from the company Affirm. I came to an agreement with the debt collector agency called XXXX to pay the total of {$100.00} in order to resolve my balance, which was paid on XX/XX/year>. I have already disputed this account to be removed from my credit report since it has been paid already, but it always comes back as remaining in my account and not deleted.

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: IN

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-03-15 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of XXXX XXXXXXXX, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, SUITE XXXX, XXXX XXXX TX 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 2025-03-15 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: PA

Complaint narrative:
There are unauthorized inquiries on my credit report that i want removed : XXXX XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GU

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint Regarding Capital One Account Closure and Lack of Transparency I am writing to file a formal complaint against Capital One regarding the closure of my credit card account and the lack of transparency provided to me regarding this action. 

Capital One recently closed my account, citing that they discovered adverse past or present legal action involving an individual or entity associated with the account. However, the letter I received did not provide any specifics or further details regarding what this refers to. This lack of clarity has left me unable to understand why my account was closed and has denied me the opportunity to correct any potential misinformation that Capital One may have used to make this decision. 

What makes this more concerning is that this is not the first time Capital One has closed an account of mine. Back in XXXX, I was approved for a Capital One credit card, only for them to close that account later with the same reason of adverse legal action. Despite this past closure, Capital One approved me for a new credit card, allowed the account to XXXX out, and then closed it again for the same vague reason. This pattern of behavior seems suspicious and raises serious questions about Capital Ones decision-making process and their transparency in providing clear explanations for these actions. 

I called Capital One on the morning of [ Insert Date ] at around XXXX XXXX. ( my local time ) and was informed during the call that my account had been closed. I had not received prior notification, which added to the confusion and frustration of the situation. 

I am aware of ongoing lawsuits related to Capital Ones failure to provide specific reasons for account closures. One such case is XXXX XXXX. XXXX, which alleges that Capital Ones actions violate the Equal Credit Opportunity Act ( ECOA ), depriving individuals of their right to correct misinformation and impairing their ability to use credit responsibly. These cases also argue that the closure of accounts has caused financial harm, including damage to credit scores and the ability to obtain future credit. I am concerned that the closure of my account is similarly damaging my credit and negatively affecting my ability to access credit in the future.

I request that the CFPB investigate this matter, as I feel that I have been unjustly deprived of my right to fair and informed use of credit. I would like to understand the specific reason behind the closure of my account, whether Capital Ones decision was based on accurate or complete information, and whether I am entitled to any compensation for the damage done to my credit and future ability to obtain credit.

Thank you for your time and attention to this matter. I look forward to your prompt 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: 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 securing XXXX for me and my XXXX children. I am trying to move forward with my life.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Access was given to my personal and private accounts to a non-government official, XXXX XXXX, and the DOGE team which does not have the appropriate security clearance to access my personal data. This is a privacy breach in direct violation of the student loan contract.

Unauthorized individuals accessing this information without my consent violated the terms of the contract under section FSA 27-2

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX XXXX and DOGE. who do not have clearance to view my personal data, especially my student loan data that is FERPA protected, has viewed my student loan data and perhaps altered it. This breaks the contract i have with my federal student loans and I request to have all of my loans forgiven. This isnt about not wanting to honor my loans, its about them doing something extremely illegal by viewing my data without my consent without appropriate government clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App closed my account suddenly with no details or explanation. I use this account for my small business even when I did the appeal. They just keep saying the same thing and wont give me any details. Im not sure if I have been compromised or not, but I definitely did not violate the terms or conditions. I would like to have my account reinstated.

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: CA

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX and DOGE have violated FERPA, the higher education act, and the privacy act of 1974 by viewing my account information as a 3rd party without clearance or permission to do so. These violations compromised my personal and financial information without my consent. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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: Carter-Young, Inc.
State: SC

Complaint narrative:
A company called Carter Young Inc called me stating that I owe them money. Ive never heard of the company but its on my credit report and ive never dealt with them before and they have tried to collect a debt that Im completely unaware of.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I am submitting this formal complaint regarding serious concerns about the security, management, and potential external influence over my federal student loans through the U.S. Department of Education. Specifically, I believe my constitutional rights under the 5th and 14th Amendments have been breached, as I suspect that my loan information may have been accessed, manipulated, or influenced by unauthorized parties, including XXXX XXXX and entities associated with Dogecoin ( DOGE ). 

As a federal borrower, I have a protected right to due process under the 5th and 14th Amendments of the U.S. Constitution. The 5th Amendment guarantees that the government can not deprive me of life, liberty, or property without due process of law, while the 14th Amendment extends these protections by ensuring that no state or federal agency can deny me equal protection under the law. Any unauthorized access, manipulation, or external influence over my federal student loans would constitute a violation of my constitutional rights in the following ways : Due Process Violation ( 5th & 14th Amendments ) : If any entity outside the U.S. Department of Education, including private individuals or corporations, has accessed or influenced my loan account without my knowledge or consent, this represents a deprivation of my property ( loan status, repayment terms ) without due process. 

Unlawful External Influence & Unequal Treatment ( 14th Amendment ) : If my student loan status or repayment structure has been affected by external, non-governmental entities like XXXX XXXX or Dogecoin, then my rights as a borrower have not been equally upheld, potentially violating the Equal Protection Clause of the 14th Amendment. 


I am formally requesting an urgent investigation into the following : Whether any unauthorized entities, including XXXX XXXX or Dogecoin-related individuals, have gained access to my federal student loan records or influenced their management. 

Whether my repayment terms, interest rates, or loan status have been affected by any external influence, violating my right to due process. 

A full review of the security and privacy measures in place to protect borrowers like myself from undue interference or influence over their financial obligations. 
Corrective action to restore my rights and ensure full compliance with constitutional due process protections. 

I request a timely response detailing what steps the CFPB and relevant agencies will take to investigate these concerns. If any unauthorized access, interference, or constitutional violations are found, I expect immediate corrective measures to be implemented.

Company response to consumer: Untimely response
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department XXXX Government XXXX ( XXXX ) to gain access to multiple internal systems within the XXXX XXXX XXXX, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that has been compromised. 

They do not have clearance to view my data and has broken the contract of my student federal loans by viewing my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) 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 XXXX ( 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 unable to make payments and was in a deferred plan but now saying payment start XX/XX/year> 2025

Company response to consumer: Closed with explanation