vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

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

As a federal agency, ED is subject to the Privacy Act of 1974, 5 U.S.C. 552a, as well as the confidentiality requirements of the Internal Revenue Code, see 26 U.S.C. 6103 ; Dkt. 1 at12 ( Compl 45 ). The Privacy Act regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( internal quotation marks and citations omitted ). Under the Privacy Act, agencies may not disclose any record to any person, or to another agency unless the individual consents or a statutory exception applies. 5 U.S.C. 552a ( b ). As relevant here, one statutory exception permits disclosure to officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties. Id. 552a ( b ) ( 1 ). Another exception permits disclosure for routine use, which refers to a use of the record for a purpose which is compatible with the purpose for which [ that record ] was collected. Id. 552a ( b ) ( 3 ), ( a ) ( 7 ). To invoke this exception, an agency must publish a notice of the asserted routine use in the Federal Register, along with the categories of users and the purpose of such use. Id. 552a ( e ) ( 4 ) ( D ).

The Privacy Act authorizes both criminal penalties and private enforcement for violations of its provisions. In particular, [ a ] ny officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by [ the Privacy Act ] and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a. 5 U.S.C. 552a ( i ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
For the second year in a row ( XXXX and XXXX ), fifth third bank has not uploaded or given me or mailed my 1098 form for my two properties they manage my mortgage loan for. While they did upload the form onto the account website for the condo, they did not upload the 1098 form for my personal home mortgage. After calling multiple numbers and getting the run around either from machines, AI chat or personnel who did not know how to help, they either tried to offload responsibility to another person/department who also didn't know how to help and again tried to offload to phone numbers I have already tried calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Hatfield, Inc.
State: NV

Complaint narrative:
On XX/XX/, I followed the multiple steps process to cancel my subscription and delete my account. My account was not deleted and I continued to be charged the subscription fee. On XX/XX/, I, again, completed this multiple step process to cancel my subscription and delete my account. I also, on XX/XX/, sent correspondence via email to the support address that is hidden on the privacy policy document, not hyperlinked ; I sent the same request and advised they were in violation of the FTC click to cancel rule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, Experian, Transunion, Equifax I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidencesuch as a signed contract or agreementthe accounts must be permanently removed from my credit file. 

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : 1. Immediate blocking and removal of all fraudulent accounts and inquiries.

2. Debt verification for all disputed accounts.

3. Written confirmation that the fraudulent items have been deleted from my report. 
4. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information.

5. An updated copy of my credit report reflecting these corrections.

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a car that upon receipt I discovered was obviously and totally falsely advertised. I requested a refund to use the money towards repairs. They would not do so and illegally withheld my money in the amount of {$7800.00}. They are obvious scammers and liars. Everything from them was a lie. Wells Fargo then said their bank would not give me back the money. That is not my problem, the bank has a duty to protect my money from all scams and that is a contractual obligation. They committed federal crimes in not returning my money promptly upon learning of the scam. The scam was obvious and many many people have reported it. It was a used car scam. There is no excuse that the bank will not award me my money they must get it back for me however they have to, police, FBI, etc.

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 card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
COMENITYCBXXXX shows on my credit report as a year of activity being recent. This account was closed in XXXX. The credit history is in accurate. Showing a balance of XXXX. With a XXXX dollar credit line. The payment history is also incorrect. Stating i have a 30 day late payment in XXXX of XXXX while also stating the account was opened in XXXX the XXXX XXXX. When I disputed information from this business they changed alot of the history making inaccurate and invalid statements on my credit profiles with the bureaus. 

Subject : Request for Validation and Dispute of Inaccurate Information I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ). The following account ( s ) contain incorrect information and require validation : Under the FCRA, I request that you verify the accuracy of this information with the original creditor. If the information can not be verified, I request its immediate removal from my credit report. Additionally, please provide me with the method and source of verification for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Below is a summary of the fraudulent accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: EQUIFAX, INC.
State: NY

Complaint narrative:
Below is a summary of the fraudulent accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  Account Number : 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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I do not have any unresolved debt with XXXX XXXX. In fact they have a secured credit card in good standing of them yet. I keep receiving the debt collection text message as of few months ago from this apparent company. here is a copy of the latest text message. 


XXXX XXXX, getting a tax refund? Use it to resolve your XXXX XXXX, XXXX. account ending in XXXX with MRS BPO LLC. MRS is a collection agency. Take the next step toward financial freedom. 

Call : ( XXXX ) XXXX Visit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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.
State: PA

Complaint narrative:
I want Experian to read this please. I just want my credit report to be fixed. You are showing that I have missed payments when I have not. My credit report shows that I have not missed any payments. I am providing my credit report which I have received from you to show that you are wrong and I have not missed any payments. I just want them corrected. Under the fair credit reporting act you must fix it. I am getting tired of this and you not doing your job. Please look at my credit report and fix the errors in it. I am including it plus all you have to do is look at my credit report and you can see that i have no missed payments. If you can show me the missed payments than please do. But I want my credit report fixed. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XXXX XXXX XXXX. XXXX XXXX and his DOGE team took access to multiple system within the department of education and violated my rights by gaining access to my personal and sensitive information along with millions of other americans

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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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