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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX and Doge accessed my information without my permission.

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: NY

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/year> My personal and financial information was compromised without my authorization. 

The Family Education 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. 

The President of the United states allowed XXXX XXXX a Stranger to access my personal information 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. 

Sincerely,

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 — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: AR

Complaint narrative:
Complaint Regarding OneMain Date Closed : XX/XX/year> Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against OneMain for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than XXXX years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ).

According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, OneMain has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.

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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: RI

Complaint narrative:
My personal and financial information was compromised without my authorization with the actions taking place with DOGE and the current administration.

The family educational rights and Privacy ACT ( FERPA ) protects the confidentiality of students record which were breached when my personal information was allowed to be seen by XXXX XXXX XXXX XXXX DOGE. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Give 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 immediately.

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: NC

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 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
The CFPBs exams also found that student loan servicers illegally hampered borrowers access to federal student loan payment relief and cancellation programs including Income-Driven Repayment, Public Service Loan Forgiveness and XXXX XXXX XXXX XXXX The CFPB directed servicers to act to remediate these issues. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-supervisory-examinations-find-violations-of-federal-law-by-student-loan-servicers-and-university-owned-lenders/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX has violated my rights and privacy by accessing my personal information and student loan information with no rights. This is direct violation of my rights

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX issued one-60 day delinquency notice on XX/XX/XXXX to TransUnion for a late fee of {$26.00} they issued for not having updated renter 's insurance certificate on file. I first noticed charge on XX/XX/XXXX and inquired about it with XXXX. When they explained the reason for the fee, I provided copy of renter 's insurance certificate by email to them on XX/XX/XXXX and asked them to remove the fee from my account since there was no lapse in coverage. They notified I needed to upload document to their insurance management vendor " XXXX. '' When I tried doing so, I experienced error messages upon multiple attempts across various days to upload copy. I notified XXXX of XXXX 's faulty website on XX/XX/XXXX. They offered to assist me by going in to their office. I was able to upload it with their assistance on XX/XX/XXXX. I received confirmation from XXXX on XX/XX/XXXX that it was approved. I was notified of outstanding small balance for the late fee on XX/XX/XXXX. I once again asked them on XX/XX/XXXX to remove the fee since it was unjustly issued given I had originally provided updated copy of renter 's insurance coverage as early as XX/XX/XXXX, policy had been effective since XX/XX/XXXX and there was no lapse in coverage at any point, GetCovered website was faulty and did not allow me to upload it in timely manner, and I was in communication with XXXX regarding this matter the whole time. XXXX has been uncooperative and not willing to comply with my requests. They denied removing late fee. I ended up paying the fee to avoid any further repercussions. When I saw delinquency notice on credit report, I called XXXX and spoke with property manager XXXX on XX/XX/XXXX and asked them to remove/reverse delinquency notice on credit report. I was told there was nothing they could do and advised me to dispute it with credit report company. I filed dispute with TransUnion on XX/XX/XXXX and received dispute results on XX/XX/XXXX saying disputed information was " VERIFIED AS ACCURATE. '' I an unhappy with the results and thus filing this complaint.

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: MS

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I originally opened a credit card with Citi on XX/XX/year>. I also opened a checking account with CitiBank and never received any documentation including my account numbers. I was trying to make an external transfer online and was locked out of my account, which is also linked to my Citi credit card. I then tried to regain access to my account online and received an error message saying my information provided did not match their records. I called the phone number they provided for technical support, and they were able to verify I am the primary cardholder ( for the credit card ), but was then told that I would be transferred. Speaking with the next person after being transferred, I was told that the information I provided ( debit card number ) was not sufficient and that they needed a security word ( which I never set up due to being locked out of the account ) as well as my account number ( which was never provided to me electronically or otherwise ). I am now stuck being locked out of both the checking and credit card accounts, and have received notices that I may be sent to a collections agency due to missing payments ( which I can not make because I have been locked out of my account ). They suggested I visit my nearest branch, but CitiBank does not have a branch within XXXX miles of my residence. I am at a loss because I try to reset the account online, then get told to call technical support, only to be told they can not assist me because I do not have information they never provided me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account status incorrect
Company: VW Credit
State: CO

Complaint narrative:
I had a vehicle lease end on XX/XX/XXXX, which was financed through VW XXXX XXXX. Every payment was made on time. When I turned in the vehicle, I was told by VW there is nothing more that is needed and the account is closed. 

On XX/XX/XXXX, I was made aware for the first time that there was an outstanding balance in the amount of {$640.00} which was late and was reported on my and my wife 's credit reports as a charge-off that day. We had no knowledge of this debt until this date. After speaking with a VW XXXX XXXX representative, I realized they have only been sending bill notices via physical mail to an old address that was no longer valid. While that address was in their system, we did not update that address as we had turned in the vehicle, they told us there is nothing more we need to do to settle the account, and we had no reason to believe the account was still active. We also opted for e-statements, yet there were no e-statements sent to us. The only notice they were giving us about the balance due was physical mail sent to an incorrect address. Had we known there was a balance due, we would have certainly paid it. 

We have worked very hard over decades to maintain a strong credit rating and credit history. My wife has always had an XXXX rating, and I always had a XXXX rating. There are no issues with either of our credit histories and we have had many credit accounts that have always been in good standing. There is no reason why we would have known about this balance due and allow it to show up as a charge-off on our credit report. We simply didn't know. Now, both of our credit ratings have been destroyed and will result in significant financial hardship. 

We believe VW XXXX XXXX should have tried to contact us through other methods such as email or phone, which they have that contact information on file. We believe they should have indicated to us there may be a final balance due when we turned in the vehicle. We were not provided effective communication for us to know there was a balance due. 

I am happy to settle the current balance in full, but I believe it should be retracted from our credit reports and be put back into good standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding an egregious violation of my privacy rights involving XXXX XXXX and the Department of Government Efficiency ( DOGE ). I have reason to believe that my private financial data, including my student loan records, was accessed without my consenta direct violation of my consumer rights and federal privacy laws. 

As a result of this unauthorized access, I demand the immediate removal of my student loans from my credit report and a full investigation into this matter. The exploitation of my personal information by XXXX and the Department of Government Efficiency is unacceptable and has caused significant financial harm, stress, and unfair reporting on my credit profile. 

I am formally requesting that the CFPB : - Immediately remove my student loans from all credit reporting agencies ( Experian, XXXX, and XXXX ) as a corrective action for this privacy breach. 
- Conduct a full investigation into how XXXX XXXX and the Department of Government Efficiency ( DOGE ) gained access to my private financial records.

- Hold all responsible parties accountable for any violations of federal privacy and financial protection laws. 

Provide written confirmation within 30 days verifying the removal of my loans from my credit report and the status of the investigation. 

If this matter is not addressed promptly, I will have no choice but to pursue further legal action and escalate my complaint to other regulatory agencies. The CFPB has a duty to protect consumers from unauthorized data breaches, and I expect swift action to resolve this serious issue. 

I demand immediate confirmation that my student loans have been removed from my credit report. 

Sincerely, 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 2025-03-13 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: NJ

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding an egregious violation of my privacy rights involving XXXX XXXX and the Department of Government Efficiency ( DOGE ). I have reason to believe that my private financial data, including my student loan records, was accessed without my consenta direct violation of my consumer rights and federal privacy laws. 

As a result of this unauthorized access, I demand the immediate removal of my student loans from my credit report and a full investigation into this matter. The exploitation of my personal information by XXXX and the Department of Government Efficiency is unacceptable and has caused significant financial harm, stress, and unfair reporting on my credit profile. 

I am formally requesting that the CFPB : - Immediately remove my student loans from all credit reporting agencies ( XXXX, XXXX, and TransUnion ) as a corrective action for this privacy breach. 
- Conduct a full investigation into how XXXX XXXX and the Department of Government Efficiency ( DOGE ) gained access to my private financial records. 
- Hold all responsible parties accountable for any violations of federal privacy and financial protection laws. 

Provide written confirmation within 30 days verifying the removal of my loans from my credit report and the status of the investigation. 

If this matter is not addressed promptly, I will have no choice but to pursue further legal action and escalate my complaint to other regulatory agencies. The CFPB has a duty to protect consumers from unauthorized data breaches, and I expect swift action to resolve this serious issue. 

I demand immediate confirmation that my student loans have been removed from my credit report. 

Sincerely, 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