vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX - Balance : {$470.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-13 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: WA

Complaint narrative:
The Department of Education and or XXXX have let their servers and my personal information be ransacked by a XXXX party private company that has downloaded my personal information without my consent. Information compromised is the entirety of my account information. My name, address, date of birth, social security information, education information and banking/payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
The Department of Education and or XXXX have let their servers and my personal information be ransacked by a XXXX party private company that has downloaded my personal information without my consent. Information compromised is the entirety of my account information. My name, address, date of birth, social security information, education information and banking/payment information.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
I recently discovered that DOGE ( https : //www.doge.gov/ ) Staff has improperly accessed and used my private information without my authorization, violating my privacy rights. This occurred XXXX XXXX  and I was not informed or given consent for this access. 

I believe this is a violation of consumer protection laws as there have been changes to my student loan account that I don't understand or recognize since XXXX XXXX  breach, specifically those related to unauthorized access to financial information. 

I request that DOGE provide a clear explanation of why my personal information was accessed, remove any unauthorized inquiries, and ensure compliance with consumer privacy regulations.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am a fresh college graduate of XXXX XXXX XXXX that currently maintains a federal student loan balance of {$22000.00} dollars. I started my collegic career in XXXX at the age of XXXX. I initially went to school by paying out of pocket since I held XXXX XXXX XXXX XXXX when attending XXXX XXXX XXXX XXXX. My relationship with loans began once I transferred from community college to university in the fall of XXXX. 

I am filing a compliant on my behalf because my liberties, rights, and privacy has been tampered by the hands of XXXX XXXX and those apart of his DOGE agency. My information was possibly XXXX of many fresh college graduate 's to be leaked and manipulated under the new administration. I feel unprotected knowing that my financial information has been possibly seen by unauthorized eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MN

Complaint narrative:
Because FERPA is a law that protects the educational data of every student in the U.S. It protects a student 's financial information, grades, disciplinary actions and other important information. According to this movement, by XXXX being able to access the DOE XXXX XXXX, DOGE has infringed upon my FERPA rights. 

XXXX XXXX has violated my FERPA rights as he has had access to my private student loan information through DOGE.

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 2025-03-13 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: MN

Complaint narrative:
Because FERPA is a law that protects the educational data of every student in the U.S. It protects a student 's financial information, grades, disciplinary actions and other important information. According to this movement, by XXXX being able to access the DOE Financial information, DOGE has infringed upon my FERPA rights. 

XXXX XXXX has violated my FERPA rights as he has had access to my private student loan information through DOGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX XXXX and DOGE have violated my privacy, personal, and financial information by accessing my private data through the department of education. To reinstate my sense of security and ensure none of my private or financial information can be accessed by DOGE or sold, I am requesting my student loans be removed from my credit report and forgiven. This violation of privacy not only jeopardizes my wellbeing, but also has the potential impact my current employment and source of income.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I want to file a complaint because I believe my private information associated with my federal student loans at the department of education has been unlawfully accessed by the department of government efficiency, XXXX XXXX, or one of his subordinates. I would like an investigation into how my data has been accessed and used, and whether it was unlawfully shared with a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
Dear TransUnion In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ XXXX XXXX ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

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 2025-03-13 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
On XX/XX/XXXX, I received notification via XXXX my credit score decreased by over 100 points due to XXXX late payments reported by XXXX. I called Fico and reported my loans were in Forbearance with the department of Education.The representative advised my loans have been transferred over to XXXX. She advised I contact them directly to resolve and provided and outreach number for them. I contacted them on XX/XX/XXXX and was told my loans were transferred over to them from the Department of Education back in XX/XX/XXXX. They stated the attempted to contact me several times regarding the transfer. I advised the representative I hadnt received any of the attempted communication and asked what number and address they had on file. They had an incorrect number and address on file, hence the reason I was unaware of the transfer. I then went on to ask what is the status of my loans and was told my loans are in Administrative Forbearance and Payments would not begin until XXXX of XXXX. I then asked if my payments are in Forbearance why are XXXX late payments reported on my account. The XXXX stated during the transfer they could not reach me due to incorrect contact information. He stated that XXXX enter a dispute for me with All XXXX Credit Bureaus to attempt to have the late payments removed as the information is incorrect. I waited a few days to call the credit bureaus to confirm if disputes were entered on XX/XX/XXXX. I first called Experian no dispute was entered from XXXX. The XXXX at Experian entered dispute for me. I then call XXXX, no dispute entered. The XXXX entered dispute for me. On XX/XX/XXXX I received a notification XXXX changed the status of my loans to from late to current which is awesome, but the late payments still remained on my credit negatively impacting my score with incorrect information. My credit score also only increased by XXXX points, but when the information was incorrectly reported my score decreased by XXXX points.

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 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: EdFinancial Services
State: MO

Complaint narrative:
I am filing a formal complaint regarding the unauthorized access of my student loan information, which I believe was illegally obtained by XXXX XXXX via the Department of Education. I am concerned that my personal financial data, including details about my student loans, was accessed or used without my consent. 

As a borrower, my student loan information should be protected under federal privacy laws, and any unauthorized access or misuse of this data is a serious violation of my rights. If XXXX XXXX or any other financial institution has shared or allowed access to my information improperly, this could constitute a breach of consumer protection laws. 

I request that the CFPB investigate this matter to determine : Whether my student loan data was accessed by unauthorized parties. 
If any financial institution or government entity improperly shared my information. 
What legal actions can be taken to address this violation and prevent further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the owner of XXXX Citi credit card and I have my credit card even on my phone ( XXXX XXXX ). I live in XXXX Florida. My name is XXXX XXXX. On XX/XX/XXXX I got XXXX texts advising me about XXXX purchases in XXXX different XXXX grocery stores around XXXX OH of {$50.00}. Immediately I called the bank to report the fraud and they changed the card in real time they inserted the new card into XXXX XXXX into my phone. The day after I noticed XXXX more unauthorized purchases of {$10.00} and {$12.00} in XXXXXXXX XXXX DC. I disputed even those XXXX transactions with my bank and they changed again my credit card with the same procedure end adding the new XXXX to my phone XXXX XXXX. The situation continued until today when I had XXXX more unauthorized transaction on the same XXXXXXXX XXXX DC of {$10.00} on the card that was on my XXXX XXXX but I didn't have it yet physically. To make the long story short today XX/XX/XXXX I have the XXXX credit card changed in 13 days. Can you do something? Thank you. 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 monetary relief
Consumer complaint received 2025-03-13 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: MO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Again, my personal borrower 's information was shared without my authorization.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

The Dept of Education allowed external stakeholders of some sort, not certain who or what to call them, illegally accessed my student information. XXXX XXXX and his numerous associates or anyone else have rights to my personal information. I discovered this by reports via multiple news outlets, media and online. I never consented to any of that. 
I am writing to formally dispute responsibility for my student loan debt, as XXXX allowed my personal information to be accessed by unauthorized parties without my consent. This breach of privacy has compromised my ability to accurately manage and protect my account. I request that this matter be investigated promptly and that all associated debt be reconsidered under these circumstances. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief