vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$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 2025-03-14 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: AZ

Complaint narrative:
On or around XX/XX/year>, the DOGE Department led by a foreign national accessed my personal data. This included my student loan data which breached the contract between myself and the US Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
filed disputes and sent out validation letters XXXX {$22000.00} {$2200.00} {$1200.00} {$5400.00} {$510.00} {$470.00} {$6400.00} {$510.00} {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
XXXX is a federal law that protects the privacy of student education records, giving parents and eligible students ( those XXXX or older or attending postsecondary institutions ) the right to access and control their records. 
XXXX XXXX and his a XXXX agents did not and do not have my permission to access my federal student loans. They have illegally gained access to my student loan information. They are not government agents and have broken the contract between myself and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX and XXXX  have illegally accessed my student loan information through government systems they did not have security clearances for. This is a violation of the terms and conditions of my student loans, and I wish to have them cancelled because of this breach of contract in order to protect my private information from unsolicited third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I demand for these incorrect accounts to be deleted immediately from my credit report.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: TN

Complaint narrative:
Department Of Government Efficiency accessing my information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
Student loan companies violated FERPA by allowing XXXX XXXX and DOGE to access student loan records without permission from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
i have not supplied proof underXX/XX/XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXXBALANCE {$19000.00}, XXXX XXXX BALANCE {$850.00}, XXXX XXXX BALANCE {$350.00}

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX  account XXXX is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law.

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * Experian incorrectly reports a 30-day late payment despite not displaying any payment history.

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 2025-03-14 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: NV

Complaint narrative:
The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00}

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my report.

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 2025-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called my Chase bank on XX/XX/XXXX requesting for the wire transfers to be stopped that they fraudulent and a scam. XXXX in the amount of XXXX and the other was XXXX. I explained to the claim representative that this was a fraud and scam. I thought that the freeze would've been done but to the fact that the wire transfer was to another Chase Bank. To no avail they didn't freeze the wires I was given a claim # and was told that they will be investigating and a representative would get in touch with me. No one has reach out and a letter from Chase was sent to me stating the claim is denied. No investigation was done regarding this situation I provided all necessary information that was given to me. I am at a loss here and would like to find a resolution to this matter. I have account number, routing number and the name on the account that this money was wired to it was from Chase to Chase banking. I would truly appreciate some help. I have reported this to Elder Fraud Hot line, left a message for XXXX XXXX and now filing a complaint regarding my bank with you. I will also be reporting this to OCC and FTC and my local police department. I have also made a complaint with IC-3.

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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my SECOND FORMAL DISPUTE regarding inaccurate and incorrect personal information appearing on my credit file. My legal name is XXXX XXXX, my current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX XXXX. The continued misreporting of my personal information is a direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681c, which mandates that credit reporting agencies maintain accurate and up-to-date personal information. Since I have previously disputed this issue, your failure to correct these errors constitutes willful non-compliance under FCRA 1681n, making you liable for damages due to your continued negligence. Additionally, under FCRA 1681i, credit reporting agencies are legally required to conduct a full and proper reinvestigation to ensure that all reported information is correct. Your refusal to take action is a clear breach of federal law and a violation of the maximum possible accuracy standard required under the FCRA. I am demanding the IMMEDIATE CORRECTION of my personal information on my credit file. If you fail to resolve this matter without delay, I will escalate this issue through legal and regulatory channels to ensure compliance with the law. Provide written confirmation of the correction of my personal information immediately. This is your final opportunity to comply before I take further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent rental debt opened with HWARFIELD ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), as well as second fraudulent account opened with XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts nor collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NJ

Complaint narrative:
Im frustrated by the errors on my report that are unfairly lowering my scores and limiting my opportunities. These mistakes are creating unnecessary financial burdens and holding me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Servicer under contract with Federal Student Aid
State: OK

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 involving D.O.G.E. and XXXX XXXX, is a clear violation of ( FERPA ) and your responsibility to safeguard my information. 

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: Untimely response
Consumer complaint received 2025-03-14 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: VA

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 2025-03-14 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:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00}

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts are XXXX XXXX Collection agency account number XXXX opened on XX/XX/year> which has been Banned by the FTC and XXXX XXXX account auto loan ( Account XXXX ), have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-14 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: CA

Complaint narrative:
To whom it may concern, this is a complaint against Experian and Equifax. 

Subject : Dispute of Inaccurate Information and Violation of XXXX XXXX XXXX  XXXX ( Civil Liability for Negligence ) I am writing to formally dispute inaccurate and misleading information that appears on my credit report, as furnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This erroneous information has caused undue harm to my credit standing, and I believe that your organization has been negligent in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXXXXXX XXXX XXXXXXXX. 

According to XXXX XXXX XXXX XXXX, any person or entity that negligently fails to comply with FCRA requirements is liable for damages sustained by the affected consumer. Your failure to properly investigate, verify, or correct this inaccurate information constitutes noncompliance, and I am requesting immediate corrective action. 

The inaccurate information in question : XXXX : Numerous accounts opened total of XXXX accounts, I only have one. It is also inaccurately reported to be late due to failure of the company to reach out. They are aware of this as well. This has tanked my credit score XXXX points. 

I am in good standing with XXXX and XXXX Credit card. I have been disputing these of my credit for months and it has not been properly been investigated. 



In accordance with the FCRA, I request that you : Conduct a proper investigation of the disputed information. 

Provide written confirmation of the steps taken to resolve this issue. 

Immediately remove or correct the inaccurate information if found to be unverifiable or incorrect. 

Provide a free updated copy of my credit report reflecting the corrections. 

Cease any further reporting of this erroneous information to third parties. 

Failure to comply with the FCRAs obligations may result in further legal action, including seeking statutory damages, attorneys fees, and any other applicable relief under the law. 

Please respond to this dispute in writing within the legally mandated timeframe of XXXX  days. I expect a formal confirmation of your compliance and the resolution of this matter by [ XXXX  days from todays date ]. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief