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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: CA

Complaint narrative:
Company Information : Credit Bureaus Involved : Experian, Equifax, and TransUnion XXXX Account Number : XXXX Complaint Details : To Whom It May Concern, I am filing a formal complaint regarding the improper deletion of my XXXX account from my credit report without my authorization. This account was in good standing, and its removal has negatively impacted my credit profile. I have contacted the credit bureaus to have the account reinstated, but no resolution has been provided. 

Below are the details of the account as it was previously reported : Account Type : Open Account ( Credit Card ) Account Status : Open Balance : {$3400.00} High Credit : {$4600.00} Payment Status : Current Date Opened : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ) by removing this account without my request or proper verification. I request the immediate reinstatement of this account on my credit report and a thorough investigation into why it was removed. 

I have attached copies of my credit report showing the deletion, along with my identification for verification purposes. Please investigate this matter and provide a resolution as soon as possible.

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 forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I had a horrible experience and was ignored and gaslit the entire time and ever since. They refuse to acknowledge anything happened and most certainly wouldn't do anything to resolve the issue. The owner of the school had the audacity to ask me if I had a learning XXXX, specifically if I was autistic, in front of several other people. They ran the school like a strict, private religious school, charged an absurd amount for us to do free labor for them that didn't go towards the cost of our tuition. They also taught a curriculum full of incorrect information just to perpetuate further spending by students and clients and line their own pockets. 
After graduation, I couldn't make any money in the field, spent years and thousands of dollars to make myself more appealing, knowledgeable and reputable, which only put me further in debt. I have spent years waiting to resolve this and it is unfair for government entities and the like to cater to companies that do not uphold their end of the deal, which is to provide quality education and preparedness to successfully use the education in the real world. 
The beauty school industry is predatory.

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 — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the widely documented breach of student loan data, which has resulted in identity theft, fraud, and clear negligence by loan servicers and federal agencies responsible for borrower information security. This breach raises serious concerns about the handling of my personal and financial data, and I am seeking immediate clarification on how this affects me and what legal remedies are available. 

Specific Concerns : Unauthorized Access & Identity Theft Risk : Public reports indicate that sensitive borrower information has been compromised, potentially allowing unauthorized partiesincluding those affiliated with XXXX XXXX associates, entities, or individuals acting under his authorityto access private financial records. 

It is critical that I receive confirmation on whether my personal data has been accessed, shared, or misused without my consent. 

Negligence by Loan Servicers and the Federal Government : The failure to implement adequate security measures by loan servicers and the federal government has led to this breach, exposing borrowers like myself to financial and personal risk. 

This level of mismanagement and oversight failure requires urgent attention and corrective action. 

Legal Recourse & Potential Remedies : Given the nature of this breach, I am reviewing legal options regarding damages incurred due to the mishandling of my personal data. 

I also request confirmation of my eligibility for relief, including potential loan discharge or financial compensation, as a result of this situation. 

A full investigation into the breach and its impact on borrowers is necessary, and transparency is expected regarding what steps will be taken to address this failure. 

Request for Action : I expect a prompt and thorough investigation into this matter and a response clarifying : Whether my personal and financial data was compromised and, if so, how it has been used. 

What remedial actions and legal options are available to affected borrowers. 
What accountability measures will be taken regarding the parties responsible for this breach. 

This issue carries significant financial and legal implications, and I appreciate a timely and detailed response outlining the next steps in addressing these concerns.

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: IL

Complaint narrative:
XXXX XXXX and DOGE do not have clearance to view my personal data ( especially my student loan data ) and Nelnet has allowed them to view my student loan data, breaking the contract I have with them to have my student federal loans. This viewing of my personal data without my consent ( and without government clearance ) is extremely illegal and Nelnet has broken the contract of my student federal loan.

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 forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
An unelected entity, the Department of government efficiency ( doge, ) has accessed my personal information without my consent. This constitutes a breach of contract and a violation of my rights under the privacy act of 1974 ( 5 U.S.C SS 552a, ) which restricts the disclosure of my personal records without proper authorization.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting Agency : [ XXXX ] XXXX XXXX XXXX Payment : XX/XX/year> Amount : {$17.00} XXXX, XXXX XXXX, am XXXX XXXX Executor and Beneficiary of this account, and I am disputing the accuracy and validity of this late payment reported on [ Date ]. 

I sent a Certified Notice of Demand for Validation of Debt to XXXX XXXXXXXX, requesting proof of the original contract, full payment ledger, and verification of this late payment. 

Despite my good faith efforts to resolve this matter directly with the creditor, XXXX  XXXX failed to provide the required documentation to validate this late payment, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Actions I Took to Resolve This Matter : Sent Dispute Letters Requested Proof of Proper Performance and Full Accounting Ledger No Response or Proper Documentation Provided by 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 2025-03-15 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: GA

Complaint narrative:
Reporting Agency : [ XXXX ] XXXX XXXX XXXX Payment : XX/XX/year> Amount : {$17.00} XXXX, XXXX XXXX, am XXXX XXXX Executor and Beneficiary of this account, and I am disputing the accuracy and validity of this late payment reported on [ Date ]. 

I sent a Certified Notice of Demand for Validation of Debt to XXXX XXXXXXXX, requesting proof of the original contract, full payment ledger, and verification of this late payment. 

Despite my good faith efforts to resolve this matter directly with the creditor, XXXX  XXXX failed to provide the required documentation to validate this late payment, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Actions I Took to Resolve This Matter : Sent Dispute Letters Requested Proof of Proper Performance and Full Accounting Ledger No Response or Proper Documentation Provided by Creditor

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: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
DOGE accessed my student loan data without permission

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: TX

Complaint narrative:
I am making 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 Governmental Entities ( 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. 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. 

This breach has caused significant distress and concern regarding the security of my personal and financial data.

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: TX

Complaint narrative:
I am making 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 Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and XXXX XXXX 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. 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. 

This breach has caused significant distress and concern regarding the security of my personal and financial 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: 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:
I am making 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 Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and XXXX XXXX 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. 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. 

This breach has caused significant distress and concern regarding the security of my personal and financial 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 explanation