vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MOHELA
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 — Information belongs to someone else
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
My personal information was leaked in a data breach, I contacted each company and explained this to them. I asked the companies to investigate and delete off my report as this is all false information.No one has gotten back to me. Listed below is the fraudulent activity on my report : AUTO LOANS- XXXX XXXX XXXX Account # XXXX {$14000.00} Date Opened XX/XX/XXXX - XXXX XXXX XXXX Account # XXXX XXXX Date Opened XX/XX/XXXX PERSONAL LOANS -XXXX XXXX XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$1200.00} Date Opened XX/XX/XXXX - XXXX XXXX XXXX Account XXXX XXXX {$100.00} Date Opened XX/XX/XXXX There is also a bunch of inquiries and student loans that I disputed I'm waiting on the results for them to be deleted as well.

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: GA

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 - XXXX - XX/XX/XXXX - {$200.00} XXXX - XXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX  XXXX - XXXX - XX/XX/XXXX XXXX {$11000.00} XXXX  XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00}

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: GA

Complaint narrative:
This CFPB complaint has been filed to formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, Experian, block and remove the fraudulent information appearing on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. 

XXXX. CORRECTION OF PERSONAL INFORMATION My legal and correct name is * and it should only appear in this format on my consumer credit report. I have noticed fraudulent variations of my name, including * which I have never used. This is incorrect and must be removed immediately. 

Additionally, my credit report contains an address I do not recognize and have never lived at : * XXXX. FRAUDULENT ACCOUNTS AND INQUIRIES I have been a victim of identity theft and fraud, which has resulted in the unauthorized creation of the following fraudulent accounts and inquiries on my Experian consumer credit report : Fraudulent Accounts XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Credit Card Opened XX/XX/XXXX XXXX XXXX Personal Loan Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Fraudulent Hard Inquiries The following inquiries on my Experian credit report are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. SUPPORTING DOCUMENTATION In support of my claim, I have attached the following evidence : I have included the following documentation to support my claim of identity theft : XXXX. A copy of my government-issued ID. 
XXXX. My Social Security Card XXXX. Proof of Address XXXX. Copies of my FTC Identity Theft Reports I formally demand that Experian : Immediately block and remove the fraudulent accounts, collections, and hard inquiries from my credit report within XXXX ( XXXX ) business days of receiving this complaint. 
Correct my personal information by ensuring that only my legal name appears on my credit file and removing all unauthorized name variations.Remove the fraudulent address from my credit report.Cease all collection activities related to these fraudulent accounts. 
Provide written confirmation of compliance with this request. 

I solemnly affirm, under penalty of perjury, that I did not open, authorize, or initiate any of the aforementioned accounts, collections, or inquiries. These fraudulent entries are the direct result of identity theft and fraud, and I shall not be held liable for any financial obligations related to them. 

This is a formal complaint, and I expect full compliance from Experian within the XXXX ( XXXX ) business days required under FCRA 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 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I recently paid off a debt with Aldous & Associates for a total amount of {$870.00}. During the payment process, I was charged an additional {$31.00} fee for processing. I was informed that this fee varies based on the amount being paid and can be significantly higher for larger debts. 

I feel that this practice is unfair and potentially a violation of consumer rights. Processing fees should be transparent and reasonable, and charging a variable amount based on the debt size raises concerns about the legitimacy of these charges. I would appreciate any clarification on the legality of this practice and whether any regulatory actions can be taken. 

Please let me know how I can proceed with addressing this issue.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 2025-03-14 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:
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 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year> around XXXX XXXX  a call was placed to Experian about inaccurate information on my credit report, I spoke with the representative and let him know that the middle name on my report was spelled wrong instead of XXXX they spelled it XXXX  I have been having the same issue with inaccurate information I was told to contact the creditor about the inaccurate information but they could not tell me who the creditor

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a concerning issue involving the deletion of student loan dispute letters, which directly impacts borrowers ' rights and access to fair financial practices. The situation appears to be connected to violations involving XXXX XXXX and DOGE ( XXXX ), potentially impacting consumer protections and financial transparency. 

It has come to my attention that numerous student loan dispute letters submitted by borrowers are being deleted, ignored, or improperly handled. This raises significant concerns about compliance with consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other regulations designed to protect student loan borrowers. 

Additionally, if there are any financial or technological influencesincluding those linked to XXXX XXXX and DOGEthat are interfering with due process in handling disputes, this would be a severe violation of federal regulations. It is imperative that these claims are thoroughly investigated to determine if there are any improper business practices, digital manipulation, or undue financial influence affecting borrowers rights. 

I respectfully request that the CFPB urgently investigate : The deletion and mishandling of student loan dispute letters submitted by borrowers. 

Any potential interference linked to XXXX XXXX, XXXX  ( DOGE ), or other financial entities in this process. 

Whether student loan servicers are failing to comply with federal protections by disregarding dispute requests. 

The role of financial manipulation in affecting borrowers ' legal rights and recourse options. 

As a concerned borrower and citizen, I urge the CFPB to take immediate action to ensure transparency, compliance, and fairness in the handling of student loan disputes. Please provide guidance on how borrowers can safeguard their rights against these violations and any corrective measures being taken. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica
State: PA

Complaint narrative:
I have a master card direct deposit credit card from social security. 
My card has been stopped. 
They said that cards beginning with XXXX have been subject to fraud. 
They said a new card was being issued. 
They requested that I send them my ID plus my Birth certificate ID number. 
I complied. 
It's been since XX/XX/XXXX and not having a deposit. 
They promised to send it this week. 
Today is Friday and no card. 
Customer service said it was probably lost. 
I doubt that. 
I called and requested that my card be expedited, which I will have to pay a service charge. 
They said my new card should be here by next Tuesday vis XXXX. 
ITS BEEN too long with out my funds and due to this, my phone and storage units are passed due, not to mention I can't shop for food. 
My anxiety is thru the roof and people are counting on me too pay them. 
This is my ONLY SOURCE of income. 
I do not work and have XXXX dollars to my name because I count 100 % on this card. 
Every time I contact them I get the run a round. 
Nobody is on the same page. 
It takes hours and sometimes days to get through to them. 
Without my funds I will lose everything I own plus my housing. 
I'm XXXX XXXX XXXX and stuck

Company response to consumer: Closed with 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: TX

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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper 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 non-monetary relief
Consumer complaint received 2025-03-16 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: OH

Complaint narrative:
The federal governement is currently allowing officials non routine access to federal student loan data. The DOGE department does not currently have qualified and responsible employees who have been educated on thier obligations under ferpa working on federal student loan data.As the DOGE departments is directed by the president in the executive order renam8ng the digital service, the departments mission is the modernization of federal information systems, and employees should not need routine access to sensitive federal student loan data within that mission.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The following account is being incorrectly reported by two different companies on my credit report, despite the fact that I received a 1099-C cancellation of debt for this account from the company XXXX. The details are as follows : Creditor Name ( as listed on TransUnion ) : [ XXXX ] Creditor Name ( Equifax ) : [ XXXX ] Account Number : [ XXXX, XXXX ] According to IRS regulations ( IRS Publication 4681 ), when a 1099-C is issued, the creditor has officially canceled the debt, meaning it is no longer legally owed. Therefore, this account should not continue to be reported as an outstanding delinquency by any entity. Additionally, the fact that two different companies are reporting the same debt suggests a potential violation of the FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ).

I request that this inaccurate and duplicate reporting be immediately investigated and removed from my credit file. As required by the FCRA, you must complete your investigation within 30 days and notify me of your findings. Please send me written confirmation once this account has been deleted from my credit report. 

Enclosed, I have included a copy of my credit report highlighting the disputed entries, a copy of the 1099-C for verification, and a copy of my ID for identification purposes.

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