vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
On XX/XX/year>, a data breach involving federal student loan records occurred, exposing borrowers ' personally identifiable information ( PII ), including financial and loan account details. I was affected by this breach, which has placed me at risk for identity theft and financial fraud. 

I became aware of the breach through various news articles, which can be provided upon request. Since then, I have taken steps to monitor my credit, secure my personal information, and assess the potential impact on my student loans. However, the exposure of my sensitive data was beyond my control, and I am now left vulnerable to misuse of my financial information. 

I have contacted Nelnet, but have not received adequate assurances or remedies. Given the serious violation of my privacy rights and the risk of financial harm, I am formally requesting that my federal student loans be discharged as an appropriate remedy. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this breach, ensure accountability, and take appropriate action to protect affected borrowers. 

Supporting documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NC, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Experian [ XXXX XXXX XXXX XXXX, TX, XXXX ] Subject : Dispute of Closed Account with Misinformation [ XXXX ] Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my closed credit account listed on my credit report. The account in question is identified by the account number [ XXXX ]. 

According to the information provided in my credit report, this account is reported as closed. However, there is misinformation regarding the [ balance of the closed account Experian has listed the balance of the account is XXXX but the account was closed with a balance of XXXX, Also the date that Experian says the account was closed is also wrong ]. I believe this information is incorrect, and I am requesting an immediate investigation into this matter. 

I would like to highlight that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA mandates that credit bureaus must ensure that the information they report is accurate and complete. If they are unable to verify the information within 30 days of receiving my dispute, they must correct or remove the inaccurate entry.

Additionally, under Section 623 of the FCRA, I would like to remind you that if the information provided by the creditor is incorrect, the credit bureau is required to correct the record and notify all parties who have accessed my credit report of the changes.

Please conduct a thorough investigation into the account and provide me with the results of your findings as required under the FCRA. If the information can not be verified, I request that the entry be corrected or removed from my credit report.

Enclosed are copies of any supporting documentation I have, including relevant account statements and correspondence. If further information is required, please feel free to contact me at the provided address or phone number.

I look forward to your prompt response within the 30-day period. Thank you for your immediate attention to this matter.

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I recently discovered that my business account was permanently closed by PNC bank without any prior notice. After contacting customer service, I was informed that the reason for closure was having insufficient funds or a {$0.00} balance for more than 30 days. This unexpected closure has significantly impacted my business operations. 

Due to personal circumstances, I lost my job during my divorce process and was unable to work for a period of time. Additionally, I had to travel to my hometown for urgent family matters, which temporarily affected my ability to manage my finances. However, I was not made aware that my account was at risk of being closed, and I did not receive any warning or notification from the bank. 

This account is crucial for my freelance business, as I use it to manage all my projects and transactions. The sudden closure has disrupted my ability to receive payments and continue my work. I am requesting that my account be reinstated so that I can continue my business without further financial setbacks. 

I would appreciate any assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Subject : Urgent Dispute Identity Theft & XXXX  Data Breach Victim To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity. The fraudulent accounts listed below were opened without my consent and must be removed immediately in compliance with the Fair Credit Reporting Act ( F

CRA ) 605B. I have attached the following supporting documents : -Drivers License -FTC Ide
ntity Theft Report -Proof Of Address -Data Breach Engagement # -Experian Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-17 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: NC

Complaint narrative:
See the attached FTC Identity theft report concerning my Equifax credit report regarding the unauthorized and unrecognizable hard inquiries that are defined as identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On Saturday, XX/XX/year>, I received a settlement advising me that I could : Pay {$1000.00} upon receipt of this email to settle your account Pay XXXX consecutive monthly payments of {$84.00} OR XXXX consecutive monthly payments of {$120.00} to settle your account. 
Pay minimum payments of {$48.00} a month until the entire balance is repaid. 


This is completely your fault. The story starts as I reported a transaction of {$990.00}. And yes I portion of this was to go to the loan I owe. It was refunded and then was taken back because your bank said that the documents I submitted were not proof enough. 


I literally attached screen shots from the USPS that state they never ever took this amount from my account. I have had several phone conversations with the USPS who assured me that they never took the funds. Because of your lack of integrity, this has caused my credit score to fall to below XXXX because I am behind on mortgage payments and medical bills. 


It is beyond me how you could ask for anything is beyond me. Because of your carelessness, stupidity and arrogance I can not finance a new home and my interest on a new car is so high that I am unable to make payments. I am atleast {$10000.00} back in what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Eastpoint Recovery Group, Inc
State: KY

Complaint narrative:
East point recovery group did a hard inquiry that I didnt authorize to on XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ava Finance, Inc
State: MI

Complaint narrative:
AVA FINANCE INC Is reporting incorrect information to the credit bureaus. They are alleging I owe a balance and reported several late payments. This is incorrect because I canceled the account because Ava is engaged in fraud. Regardless of how much money was in my account Ava always stated that they couldnt process the payment so I promptly canceled the account and they still allege I owe a balance and keep reporting late payments. This is affecting my credit. It did not improve my credit nor do they report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX  Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Demand for Debt Validation & Immediate Deletion of Account [ Account Number : XXXX ] Dear Columbia Debt Recovery, This letter serves as a formal dispute and demand for validation of the debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are required to provide full validation of this debt, proving its accuracy and enforceability. Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you must ensure that only accurate and verifiable accounts appear on my credit report. 
I am demanding that you immediately provide the following documentation : Forward Flow Agreement Proof that your agency was legally assigned this debt.

Chain of Assignment Full documentation showing the ownership transfer of this debt from the original creditor. 
Purchase Agreement Details of the terms under which this debt was acquired.

Insurance Claim of Debt If any insurance claim was made, documentation proving the remaining balance is still valid.

Signed Contract or Agreement Proof of my signature or explicit consent to pay this alleged debt.

Legal Violations & Consequences for Non-Compliance If you fail to provide ALL of the requested documentation within 30 days, you will be in violation of the FDCPA and FCRA, which will result in immediate complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Additionally, continued misreporting of inaccurate or unverifiable information may constitute defamation, willful non-compliance, and violations of my consumer rights, making you legally liable for damages under 15 U.S.C. 1681n.

Demand for Immediate Removal If you can not provide the requested verification, you are required by law to delete this account from my credit report immediately. Continuing to report an unverified or incorrect debt is a direct violation of FCRA 15 U.S.C. 1681s-2 ( b ).

Failure to comply with this request will result in further legal action to enforce my rights under federal law. I expect your full cooperation in resolving this matter immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX a victim of the XXXX XXXX breach and a victim of fraud I reviewed a copy of my credit report and noticed this fraudulent account That I have know knowledge of the following accounts are a result of identity theft and fraud as well as the XXXX data breach XXXX & XXXX recovery XXXX XXXX XXXX # XXXX AMOUNT XXXX XXXX XXXX XXXX # XXXX amount {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
XXXX XXXX  C/O SECURITY FINANCE XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection form your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. in addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state federal agencies.

Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the allege debtor wherein he promises to pay the creditor. 
Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

With regards, Thank You for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: OR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I 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 process 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2025 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for Account Number : XXXX Dear XXXX XXXX XXXX, I formally request validation of the debt you reported on my credit file. I dispute the accuracy and legitimacy of this account and require full validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I also invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) to ensure that only verified, accurate, and legally collectible debts appear on my credit report. 
Requested Documentation : Pursuant to federal law, I request that you provide me with the following documents : Forward Flow Agreement The agreement outlining the terms under which this debt was transferred to your agency. 
Chain of Assignment A complete record of the ownership transfer from the original creditor to your agency. 
Purchase Agreement Documentation proving the exact terms under which this debt was acquired.

Insurance Claim of Debt I request full disclosure if any insurance claims were made on this debt.

Contract or Signature Agreement A signed agreement or original contract where I explicitly agree to be liable for this debt.

Legal Requirements & My Rights : Under 15 U.S.C. 1692g ( b ), you must cease all collection activity and reporting of this account until you provide me with complete and proper validation of the debt. Failure to provide sufficient documentation will be considered a violation of federal law, and I will exercise my right to dispute this account with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Additionally, per 15 U.S.C. 1681s-2 ( b ), if you fail to verify this account properly, the credit reporting agencies must delete it from my credit file.

I request that you respond to this validation request within 30 days from the date of receipt. If you can not provide the requested documentation, you must immediately cease reporting this account to the credit bureaus and remove it from my credit file.

Please send all correspondence to my mailing address listed above. 
Sincerely, 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 2025-03-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EXPERIAN XXXX XXXX XXXX XX/XX/year> TD BANK N.A. XX/XX/year> has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation