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

Complaint narrative:
The DOGE Department illegally viewed many student loans without official permission. They have accessed data that they were not allowed to view, due to this, I feel uncomfortable with the integrity and validity of the Department of education.

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: EdFinancial Services
State: TX

Complaint narrative:
I am not disputing the debt, and I intend to pay. I am extremely concerned with Edfinancial 's negligence, recklessness, and intentional failure to notify me of the due payments. 

I read an article about the changes occurring with student loans. So, I decided to log onto the FAFSA website to check the status of my loans. I owe around {$75000.00}. 

I was redirected to the servicer Edfinancial 's website. The website shows that I am XXXX months behind on XXXX out of XXXX loans. The payments were supposed to begin in XXXX. The past due amount is over {$3500.00}. This is over 5 % of the total loan. 

Each month, {$35.00} comes out of my account. I assumed that this was for the entire balance. 

I have never consented to only receiving emails. They are supposed to send mail. However, Edfinancial has an old address listed that I have not lived at for XXXX years. Each loan application used my parents ' address to receive mail. FAFSA has the correct address. In addition, every time that I moved I always did a " change of address '' form to my parents address. 

I have never received any notice about the debt or amount due each month. Further, I never received any email or phone calls. Now at the XXXX month mark, I am terrified that they will report this to the credit agencies and tank my credit score. I am applying for the bar, so this affects my ability to make a living. Edfinancial deliberately failed to notify me about the payments due. I believe that their failure to do so is in violation of federal guidelines/ law for service providers. I have no issue paying my student loans in a fair and timely fashion. I just have to know about them!

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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Nexus Nova LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Rosegate Mortgage LLC, the servicer for XXXX XXXX attempted to collect a payment despite receiving a formal cease and desist notice. This violates FDCPA ( 15 U.S.C. 1692c ( c ) ), which prohibits further communication after a cease and desist unless responding to legal action. 
Failure to Acknowledge Qualified Written Request ( QWR ) I sent a QWR on XX/XX/XXXX, requesting validation of debt. Third party ROSEGATE LLC and servicer XXXX XXXX failed to acknowledge it within 5 business days, violating RESPA ( 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ). 
Continued Collection Efforts Without Debt Validation Despite failing to validate the alleged debt, Rosegate Mortgage LLC continued collection attempts. This violates FDCPA ( 15 U.S.C. 1692g ( b ) ), which requires suspension of collection until validation is provided. 
Direct Contact with Principal Despite Power of Attorney ( POA ) on File On XX/XX/XXXX, Rosegate Mortgage LLC contacted the principal directly, despite receiving a notarized Power of Attorney ( POA ) on XX/XX/XXXX. This violates the Georgia Uniform Power of Attorney Act ( O.C.G.A. 10-6B-1 et seq. ), which requires recognition of POA authority. 
Lack of Proof of Legal Standing to Collect or Foreclose Neither ROSEGATE or XXXX  have provided proof of ownership or legal standing to enforce the alleged debt, violating Georgia foreclosure law ( O.C.G.A. 44-14-162 ( b ) ), which requires a secured creditor to initiate foreclosure. 
Unlawful Foreclosure Attempt Without Proving Legal Standing The alleged mortgage has been securitized, meaning the original obligation was converted into a security, altering the nature of the debt. This constitutes unjust enrichment as Obligors are seeking additional payments despite already profiting from securitization. 
My response to this unfavourable circumstance have been in good faith. Sense the transfer of the loan has happened I have taken the following actions ; XX/XX/XXXX I've filed a MOTION FOR EQUITABLE INJUNCTION TO HALT FORECLOSURE, ROSEGATE and XXXX  can expect to be served at their addresses for subpoena. 
XX/XX/XXXX my UCC1 for my estate and security interest for the name I do business with was confirmed and recorded in my estate 's birth place. 
XX/XX/XXXX my AFFIDAVIT OF TITLE AND SECURITY INTEREST, was accepted by XXXX XXXX XXXX XXXX. 
XX/XX/XXXX my UCC1 for XXXX XXXX, XXXX, perfecting my security interest was confirmed delivered and am waiting confirmation of that recording. 
XXXX, XXXX the principal received from XXXX XXXX XXXX XXXX a UCC11, a request for information and had not one recorded debtor though the property was bought in XXXX. 
Inspite all of the attempts to resolve the matter, they've simply failed their fiduciary responsibilities.

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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Unauthorized access to my private data. Two named DOGE members are XXXX XXXX and XXXX XXXX.

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: EQUIFAX, INC.
State: TX

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 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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my XXXX XXXX XXXX XXXX XXXXs not updating my balances and payments accurately or at all to the XXXX credit card bureau

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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my XXXX XXXX  XXXXXXXX XXXX XXXX not updating my balances and payments accurately or at all to the XXXX credit card bureau

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
my 3 XXXX XXXX credit cards not updating my balances and payments accurately or at all to the 3 credit card bureau

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: AZ

Complaint narrative:
I filed a dispute on ( IQ Data International Inc. ) due to the reason of accuracy of information reporting on my credit. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house/apartment. XXXX violates my rights as a consumer, as well as federal laws.

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: 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 {$XXXX} per violation, for account listed without my expressed written consent.

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: 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 {$XXXX} 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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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: WA

Complaint narrative:
XXXX XXXX and DOGE broke my contract and view not only my personal tax information and my parents and brothers. They also view my student loan information and XXXX to top it all off added XXXX worth of interest to my student loan because they moved me from an income based repayment plan to standard plan then they put me on an income based repayment plan after I had to submit an application. The right thing to do would be to forgive my student loans and I do mean ALL of it. XXXX  is an illegal immagrant who shouldnt have access to my student loan forgivness. Musk DOES NOT HAVE THE CLEARANCE!!!

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 identity theft, 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 XXXXXXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this formal complaint to report a serious breach of my privacy and a likely unlawful access to my federally protected student loan records. I believe that XXXX XXXX, either directly or through channels connected to the XXXX XXXX XXXX XXXXXXXX ( XXXX ), has accessed my federal student loan information without my consent, without legal authority, and without clearance under any existing federal statute. 

This constitutes a potential violation of several critical federal laws designed to protect borrower data and prevent unauthorized surveillance or data mining, including : 1. Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g Protects education records from unauthorized disclosure or access, except to explicitly authorized parties.

2. Privacy Act of 1974 5 U.S.C. 552a Prohibits unauthorized access or dissemination of personal information maintained by federal agencies.

3. Higher Education Act 20 U.S.C. 1098g Limits use or disclosure of federal student loan information solely to statutorily approved purposes.

4. Computer Fraud and Abuse Act ( CFAA ) 18 U.S.C. 1030 Makes it a crime to access protected government or federal systems without proper authorization. 

To my knowledge, XXXX XXXX does not hold any official position within the U.S. Department of Education nor is he lawfully authorized to access federal loan servicing platforms or student data repositories. His involvement via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) raises serious concerns about potential systemic misuse of government infrastructure or partnerships for private surveillance or data analytics on borrowers like myself. 

Remedy Requested : Due to this egregious violation of my privacy and unlawful access to my federal student loan information, I am demanding that all of my federal student loans be forgiven in full. The breach of federally protected data, especially by a high-profile figure acting without statutory clearance, warrants immediate and full debt relief as a compensatory measure. 

I respectfully request that your office initiate a formal investigation into : 1. The nature and extent of DOGEs involvement in federal loan data systems.

2. The role of XXXX XXXX or affiliated entities in accessing or influencing this data. 
3. Steps toward immediate forgiveness of all affected borrower accounts, including mine, due to this breach. 

Please acknowledge receipt of this complaint and notify me of next steps in your investigation. 

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

Complaint narrative:
I am submitting this formal complaint to report a serious breach of my privacy and a likely unlawful access to my federally protected student loan records. I believe that XXXX XXXX, either directly or through channels connected to the Department of Government XXXX ( XXXX ), has accessed my federal student loan information without my consent, without legal authority, and without clearance under any existing federal statute. 

This constitutes a potential violation of several critical federal laws designed to protect borrower data and prevent unauthorized surveillance or data mining, including : 1. Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g Protects education records from unauthorized disclosure or access, except to explicitly authorized parties.

2. Privacy Act of 1974 5 U.S.C. 552a Prohibits unauthorized access or dissemination of personal information maintained by federal agencies.

3. Higher Education Act 20 U.S.C. 1098g Limits use or disclosure of federal student loan information solely to statutorily approved purposes.

4. Computer Fraud and Abuse Act ( CFAA ) 18 U.S.C. 1030 Makes it a crime to access protected government or federal systems without proper authorization. 

To my knowledge, XXXX XXXX does not hold any official position within the U.S. Department of Education nor is he lawfully authorized to access federal loan servicing platforms or student data repositories. His involvement via the XXXX XXXX XXXX XXXXXXXX ( XXXX ) raises serious concerns about potential systemic misuse of government infrastructure or partnerships for private surveillance or data analytics on borrowers like myself. 

Remedy Requested : Due to this egregious violation of my privacy and unlawful access to my federal student loan information, I am demanding that all of my federal student loans be forgiven in full. The breach of federally protected data, especially by a high-profile figure acting without statutory clearance, warrants immediate and full debt relief as a compensatory measure. 

I respectfully request that your office initiate a formal investigation into : 1. The nature and extent of DOGEs involvement in federal loan data systems.

2. The role of XXXX XXXX or affiliated entities in accessing or influencing this data. 
3. Steps toward immediate forgiveness of all affected borrower accounts, including mine, due to this breach. 

Please acknowledge receipt of this complaint and notify me of next steps in your investigation. 

Sincerely, 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 explanation