vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX Department of Education for harmful and inaccurate credit reporting tied to a federal data breach. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Department of Government Efficiency ( DOGE ) reportedly gained unauthorized access to internal systems of the U.S. Department of Education. These systems included the federal student aid database. My personal data was part of that breach. 

As a result, I believe the following student loan accounts are now inaccurately reporting 120-day late payments, all with the same last payment date ( XX/XX/XXXXXXXX XXXX XXXX  ). I did not receive proper notice, deferment validation, or confirmation of delinquency. This raises serious concerns of FERPA violations and mishandled data under the Fair Credit Reporting Act ( FCRA ). 

Accounts to Be Deleted Immediately : DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} DEPT OF EDUCATIONXXXX  Opened XXXX XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2600.00} Past Due : {$62.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2000.00} Past Due : {$64.00} DEPT OF EDUCATION/XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Past Due : {$50.00} DEPT OF EDUCATION/XXXX Opened : XX/XX/XXXX Balance : {$3400.00} Past Due : {$88.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATION/XXXX  Opened : XX/XX/XXXX Balance : {$1100.00} Past Due : {$31.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$640.00} Past Due : {$18.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} These accounts are now damaging my credit score and financial standing unfairly. I respectfully request the immediate deletion of these accounts from all credit reporting agencies ( XXXX XXXX, Equifax ) and a full investigation into their validity post-breach. 

If no valid, verified documentation can be provided, they must be deleted in accordance with FCRA obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX Department of Education for harmful and inaccurate credit reporting tied to a federal data breach. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Department of Government Efficiency ( DOGE ) reportedly gained unauthorized access to internal systems of the U.S. Department of Education. These systems included the federal student aid database. My personal data was part of that breach. 

As a result, I believe the following student loan accounts are now inaccurately reporting 120-day late payments, all with the same last payment date ( XX/XX/XXXX ). I did not receive proper notice, deferment validation, or confirmation of delinquency. This raises serious concerns of XXXX violations and mishandled data under the Fair Credit Reporting Act ( FCRA ). 

Accounts to Be Deleted Immediately : DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} DEPT OF EDUCATION/XXXX  Opened XXXX XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2600.00} Past Due : {$62.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2000.00} Past Due : {$64.00} DEPT OF EDUCATION/XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Past Due : {$50.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$3400.00} Past Due : {$88.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATION/XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Past Due : {$31.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$640.00} Past Due : {$18.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} These accounts are now damaging my credit score and financial standing unfairly. I respectfully request the immediate deletion of these accounts from all credit reporting agencies ( Experian, XXXX XXXX ) and a full investigation into their validity post-breach. 

If no valid, verified documentation can be provided, they must be deleted in accordance with FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement to my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions or the consumer to whom it relates Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
GM Financial # XXXX XXXX XXXX Im unaware of this debt which I found out about it by getting a credit report. I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If you cant provide this request delete the account GM Financial # XXXX as soon as possible from my report or I would be forced to take legal action. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I sent in a payment which would have left a small amount of principal balance left. As part of the back story, I have been making the mortgage payments for my ex-wife. We were married more than 20 years ago and this is not in any way court ordered. She was diagnosed with a serious health problem and I have been voluntarily paying her mortgage to help her. Because of this I couldn't get the pay off amount myself even though my ex-wife had provided paperwork that the company could talk to me. The check was cashed from my account but later a check was sent from Mr. Cooper to my wife for the amount of the check-they stated they had a policy that any payments more than 90 % of the payoff had to be by certified check or wire. The loan documents or website doesn't say this. The check that they sent to be ex-wife was a regular check and when it was deposited at XXXX XXXX in order for my ex-wife to wire the full amount, she was told that there would be a ten day hold on the check before allowing this. The company apologizes for the inconvenience but I will still be liable for extra interest and the wiring fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account XXXX : XXXX XXXX # XXXX - Date Opened XX/XX/year>

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ Your Email Address ] Date : [ Insert Date ] To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax, XXXX XXXX XXXX  for Inaccurate and Unverified Credit Reporting Dear CFPB Representative, I am writing to file a formal complaint against Equifax, XXXX XXXX XXXX for reporting inaccurate and unverified information on my credit report. Despite multiple disputes and requests for investigation, these credit reporting agencies have failed to correct or remove items that are negatively impacting my credit score and preventing it from reaching its accurate, deserved level. 

There is clear evidence of identity theft on my credit reports. Several accounts and inquiries listed are not mine, and I have never authorized or signed for them. These agencies have reported negative information without proper verification and have not provided any documentation with my signature or consent proving that the accounts belong to me. 

Additionally, I have submitted disputes to each bureau and provided supporting documentation to show that the information is incorrect and not connected to me. Still, Equifax, XXXX XXXX XXXX have not taken appropriate steps to remove the false entries or verify their legitimacy. 

This inaction is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is filed and to remove any unverified or inaccurate information. Their failure to do so is negligent and has caused me ongoing financial harm. 

I am requesting the CFPB to investigate this matter and hold these agencies accountable. I am also requesting that all unverified and identity theft-related items be removed from my credit reports immediately and that my credit score be adjusted accordingly. 

Please contact me if further information is needed. I have attached a copy of my government-issued ID, credit report summaries, and documentation of previous disputes submitted to the credit bureaus. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX [ Signature if mailing ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Hello, my name is XXXX XXXX. Im calling in reference to my loan. I recently learned that calls have been made to individuals who are not associated with my account. I want to make it clear that no one else is authorized to receive information about my loan. These calls are unwanted and could be a violation of the Fair Debt Collection Practices Act. Please cease all communication with third parties not listed on my account immediately. I am requesting that you update your records and confirm in writing that these contacts will stop. 

I am filing this complaint against Sallie Mae ( also known as XXXX XXXX ) regarding repeated and unauthorized contact with individuals not listed on or associated with my student loan account. 

Sallie Mae has contacted an acquaintance named XXXX XXXX, despite the fact that this individual is not a co-signer or authorized to discuss my loan. These contacts are not only unwarranted but also a violation of my privacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are not permitted to discuss my loan with third parties or repeatedly contact them. XXXX XXXX actions are harassing and invasive, and I request that regulatory authorities take appropriate action to investigate and enforce compliance. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I didn't get no response or they gave me the run around

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I didn't get no response or they gave me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This is a follow-up complaint to ensure that the late payments reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my Equifax credit report are properly investigated and corrected. Despite my initial disputes, these accounts continue to reflect late payments without proper verification or accurate documentation, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Equifax 's ongoing failure to ensure the maximum possible accuracy of my credit report, despite being legally required to do so, raises significant concerns about the integrity of their data handling and investigation processes. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations, suggesting a troubling pattern of neglect. In a recent lawsuit, the CFPB alleged that Equifax engaged in sham investigations, failing to meet their obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Ignoring these obligations is a clear violation of federal law and a direct breach of my rights as a consumer.

Given these ongoing concerns, I have every reason to believe that these late payment entries may have been reported without proper validation or accurate verification, potentially as a result of poor internal processes or data handling errors. This not only undermines the integrity of my credit report but also exposes me to unwarranted financial harm, reputational damage, and unjust credit denials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
My account was accessed on XX/XX/year>. As soon as I noticed. I called Sofi bank and told them. Usually I get a fraud alert for XXXX. This was XXXX I sent them emails describing what happened. Denied me XXXX  times. Went to police made a report and submitted it. And still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have chargeoffs and collections which I am willing to make payments on, but they should not be reporting to my credit because this is making it hard for me to be able to obtain a home or rent a home. I need these removed from my credit reports immediately and permanently.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have chargeoffs and collections which I am willing to make payments on, but they should not be reporting to my credit because this is making it hard for me to be able to obtain a home or rent a home. I need these removed from my credit reports immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of a late payment from XXXX XXXX XXXX - XXXX * * - Past Due : {$0.00} * * on my TransUnion credit report. Despite my initial dispute, this late payment entry remains uncorrected, reflecting a past due amount of XXXX dollars, which is both misleading and potentially damaging to my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), TransUnion is legally required to ensure maximum possible accuracy in the information they report, including properly reflecting account statuses and payment histories. 

This continued inaccuracy indicates that TransUnion may have failed to conduct a thorough and reasonable reinvestigation as required by law. The presence of this inaccurate late payment has unfairly affected my credit score, potentially resulting in unjust financial harm and unwarranted credit denials. Given the clear inconsistency in this reporting, I am concerned that this account may not have been properly verified with the original creditor, leading to a distorted representation of my financial history.

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