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: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/year> per my state attorney, XXXX XXXX I was notified by a news report that XXXX and XXXX XXXX and his team gained access to my private data and information. This is a breach of XXXX and due to my protections being violated and misused this should pull me from the binding of the contract for these loans. My loans should be dissolved. 
I was not notified by Nelnet the servicer of my federal loans that any un-elected official who has no security clearance given to them by Congress who handles the Federal Student Loans that my information was being accessed and transferred to who knows what database. 
The mere fact that my private information has been compromised and the neglect, abuse and long-term impact this will have on me is uncalled for. I have done my part, upheld my part in this contract. By terms set, the other party, the loan servicer has not and has put me and my credit in an irreparable state.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union is reporting an account incorrectly. XXXX account number XXXX is missing information from the reporting. This account should be included in my bankruptcy

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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have a collection on my credit report that I. Have nothing to do with

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This is a formal written notice requesting validation of debt. See attached letter for requested documents.

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: MD

Complaint narrative:
I am filing a complaint with Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian responds in XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This process violates the Fair Credit Reporting Act ( FCRA ), 12. U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX  recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of 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 2025-03-15 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: NY

Complaint narrative:
I am a victim of identity. there are fraudulent addresses and other items on my credit report. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Any other address on any Credit bureau I have no association with.

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: MN

Complaint narrative:
This is the list of inquiries that I do not recognize and have no knowledge of, I would like to request the removal of all of these as per described below. 

XXXXXXXX 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 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 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/XXXX

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: LEXISNEXIS
State: TX

Complaint narrative:
There are several inaccuracies in my consumer disclosure report that should not be there.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Debt Collection Agency - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request and Cease and Desist Communication Dear Debt XXXX XXXX XXXX XXXXXXXX XXXX I am writing in response to your attempts to collect a debt from me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ) to request validation of the alleged debt and to ensure compliance with permissible purpose requirements. 

XXXX. Debt Validation Request Please provide the following information regarding the debt you claim I owe : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Original Amount Owed {$8500.00} Amount {$4000.00} Copies of any contracts, agreements, or documents bearing my signature that establish my obligation to pay this debt. 
Proof that your agency is authorized to collect this debt. 

XXXX. Permissible Purpose If you have accessed my credit report in connection with this debt, please provide documentation showing your permissible purpose under Section XXXX of the FCRA. Failure to provide such documentation may constitute a violation of federal law. 

XXXX. Cease and Desist Communication I also demand that you cease all forms of communication with me regarding this matter except for written responses to this letter sent via mail to the address provided above. Any further contact through phone calls, emails, or third-party outreach will be considered harassment under 15 U.S. Code 1692d and subject to legal action. 

This letter does not constitute an acknowledgment of the debt or an agreement to pay it. I request that collection efforts cease until you have fully validated the debt as required by law. 

Failure to comply with this request may result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. An unauthorized individual fraudulently used my personal information to conduct hard inquiries on my credit report and falsely claimed me as a dependent on their tax return without my consent. 

I first became aware of this issue when I noticed unauthorized hard inquiries on my credit report and later discovered that my Social Security number had been used improperly for tax filing purposes. I did not authorize these actions, nor did I provide my personal information for such use. 

I am requesting that this matter be thoroughly investigated and that the fraudulent activity be corrected immediately. Additionally, I ask that any fraudulent inquiries be removed from my credit report and that the IRS take the necessary steps to rectify the false tax filing. 

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

Complaint narrative:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply. Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the XXXX, which protects personal data from unauthorized access, or similar regulations in other countries. Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2025 cashapp closed my account with no explanationand I dont know why its crazy havent been able to do anything bc that account had everything I jus wan na make a new account and I cant do that

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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Request & Removal of Personal Information To Whom It May Concern, I formally request the immediate removal of my personal information from your records and any third-party databases due to my status as a victim of stalking and trafficking. Under the following laws, I assert my rights : FCRA ( 15 U.S.C. 1681c ) Right to suppress adverse information.

Gramm-Leach-Bliley Act Restricts disclosure of financial data.

DPPA ( 18 U.S.C. 2721 ) Prohibits unauthorized sharing of motor vehicle records. 

XXXX & Address Confidentiality Laws Ensure privacy for victims. 

Required Actions : Delete and cease processing my personal data. 

Stop sharing, selling, or distributing my information. 

Provide written confirmation of compliance within 30 days. 

Failure to comply may result in legal action. Please confirm in writing via mail or email. 

Sincerely, XXXX XXXX

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 is missing that should be on the report
Company: CL Holdings LLC
State: NC

Complaint narrative:
Pay off account appear in reports closed over 10 years and up to date appear closed. I dispute it all three credit reports and they never replay to dispute for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Midland Credit management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern XXXX I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining. 
A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract. 
Proof of your legal right to collect including a complete chain of title from the original creditor to your agency. 
Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off. 
Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law. 
If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ). 
Please respond to this request within XXXX  days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX XXXX XXXX XXXX for violations of my consumer rights. 
I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, 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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX. In the Summer/Fall of XXXX, I began encountering difficulties accessing XXXXXXXX XXXX XXXX XXXX XXXX. In extensive communications with them, it became clear that the technical difficulties were entirely on their side. XXXX assured me they would be addressed and corrected. 
XXXX. I traveled overseas, to the deep jungles of XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX. I had no cellphone voice capability, and very limited data capability. However, I did have enough access and bandwidth to log in to various accounts and pay my bills... which I proceeded to do for all my accounts : XXXX XXXX, XXXX, and XXXX. XXXX, though was *still not functional*. Therefore, I could not pay that account, due entirely to technical difficulties with and caused by XXXXXXXX XXXX payment site and system. 
XXXX. When I returned to the XXXX, I discovered that XXXX had already filed derogatory " overdue payment '' reports with the relevant XXXX XXXX XXXX. I contacted XXXX immediately upon my return, and offered to pay them immediately and in-full, just as I had for EVERY MONTH that I'd had this account with them, over the prior XXXX years. My only ( conditional ) request, was that XXXX acknowledge that the lapsed payment was due to problems with their payment system by reversing the derogatory reporting. 
XXXX. XXXX refused to accept full payment, in exchange for acknowledging their problem and correcting the erroneous reporting that flowed from it, and continued to do so every time I contacted them ( > XXXX times ) over the succeeding weeks and months. 
XXXX. XXXX has ruined my credit score, which has been over XXXX for DECADES, because they refuse to be accountable for their failed electronic payment system. This needs to be corrected ASAP.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. In the Summer/Fall of XXXX, I began encountering difficulties accessing XXXXXXXX XXXX  XXXX XXXX XXXX. In extensive communications with them, it became clear that the technical difficulties were entirely on their side. XXXX assured me they would be addressed and corrected. 
XXXX. I traveled overseas, to the deep jungles of XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX. I had no cellphone voice capability, and very limited data capability. However, I did have enough access and bandwidth to log in to various accounts and pay my bills... which I proceeded to do for all my accounts : XXXX XXXX, XXXX, and XXXX. XXXX, though was *still not functional*. Therefore, I could not pay that account, due entirely to technical difficulties with and caused by XXXXXXXX XXXX payment site and system. 
XXXX. When I returned to the XXXX, I discovered that XXXX had already filed derogatory " overdue payment '' reports with the relevant Credit Reporting Agencies. I contacted XXXX immediately upon my return, and offered to pay them immediately and in-full, just as I had for EVERY MONTH that I'd had this account with them, over the prior XXXX years. My only ( conditional ) request, was that XXXX acknowledge that the lapsed payment was due to problems with their payment system by reversing the derogatory reporting. 
XXXX. XXXX refused to accept full payment, in exchange for acknowledging their problem and correcting the erroneous reporting that flowed from it, and continued to do so every time I contacted them ( > XXXX times ) over the succeeding weeks and months. 
XXXX. XXXX has ruined my XXXX XXXX, which has been over XXXX for DECADES, because they refuse to be accountable for their failed electronic payment system. This needs to be corrected ASAP.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX. Account XXXX account that's being reported on my most recent credit report. Upon challenging this, Transunion ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

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 is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is a formal written notice requesting validation of debt. See attached letter for requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
The month of XX/XX/scrub> 2024 I bought 2 money orders for my apartment rental bill. I mailed the money order to my landlord. Landlord notify me that he never received it. But the money order company western union had notified me that money order was cashed out. So I believe it was cashed out stolen by an unknown person. 
I submitted a complain request for money back to western union they responded with evidence of person who exchanged the money order.

Company response to consumer: Closed with explanation