vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. The breach is a clear violation of FERPA and your responsibility to safeguard my information. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX XXXX and DOGE  have illegally accessed my student loan information through government systems they did not have security clearance for. This is a violation of the terms and conditions of my student loans, and I wish to have them canceled because of this breach of contract in order to protect my private information from unsolicited XXXX  parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe a just resolution would be to promptly update the inaccurate late payments remarks to be paid as agreed within XXXX business days. I truly hope this can be done as soon as possible so that I can put this frustrating experience behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX and XXXX  have illegally accessed my student loan information through government systems they did not have security clearances for. This is a violation of the terms and conditions of my student loans, and I wish to have them cancelled because of this breach of contract in order to protect my private information from unsolicited third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Complaint Description : The XXXX Department of Education ( DOE ) and its affiliated systems, including StudentAid.gov, violated my rights under FERPA ( Family Educational Rights and Privacy Act ) by allowing unauthorized access to my personal and financial student loan records. Specifically, XXXX ( XXXX ) and XXXX XXXX were improperly granted access to sensitive student loan data, breaching federal privacy protections. 

This unauthorized access potentially exposed my loan details, XXXX XXXX information, and other federally protected education records, which are strictly safeguarded under FERPA. As a borrower, I was never informed, nor did I consent to this data being accessed, shared, or used for commercial or external purposes. 

Timeline & Actions Taken : Date of Discovery : XX/XX/year> Amount Affected : {$23000.00} ( student loan balance ) Attempts to Resolve : I attempted to log into StudentAid.gov, where I encountered a security notice that appeared to coerce users into accepting potential monitoring and data access. I have not been provided with a clear explanation of how my private student loan data was accessed or shared. 
Relief Requested : I demand an immediate investigation into this FERPA violation, disclosure of how my student loan data was accessed, and the cancellation of my student loan debt due to the breach of my federally protected information. Additionally, I request that all unauthorized access be revoked and that affected borrowers be informed of their rights under FERPA.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX and the Department of Government Efficiency has viewed my student loan information unlawfully. I have not given permission for private entity to view my loan information. This is a violation of the law and broken the contract of my student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have disputed this Transworld systems account using XXXX. They said this account was legitimate even though I have never lived at that address or have had a XXXX  natural gas account in XXXX or XXXX. I have submitted proof with my state ID showing I lived at another address but they refuse to remove the account. They say the collections account is from a county over an hour and a half from where I lived at the time. They refuse to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy of certain accounts listed on my credit report and requesting their immediate removal. Despite my previous dispute submissions, you have consistently responded within XXXX hours stating that the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable and good-faith investigation into consumer disputes. 

Under the FCRA, you are required to conduct a proper investigation and provide substantiating documentation from the data furnisher to validate the accounts in question. If no verifiable documentation can be provided, these accounts must be deleted from my credit report immediately. 

Furthermore, your actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as the failure to properly investigate disputes constitutes an unfair and deceptive practice under federal law. The CFPB has recently highlighted similar violations in administrative proceedings, emphasizing the necessity of compliance with investigation requirements. 

I am requesting that you conduct a thorough investigation, provide me with documentation verifying the legitimacy of the disputed accounts, or delete them from my credit report within the legally mandated timeframe. If my request is not properly addressed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
I am formally disputing the accuracy of certain accounts listed on my credit report and requesting their immediate removal. Despite my previous dispute submissions, you have consistently responded within XXXX hours stating that the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable and good-faith investigation into consumer disputes. 

Under the FCRA, you are required to conduct a proper investigation and provide substantiating documentation from the data furnisher to validate the accounts in question. If no verifiable documentation can be provided, these accounts must be deleted from my credit report immediately. 

Furthermore, your actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as the failure to properly investigate disputes constitutes an unfair and deceptive practice under federal law. The CFPB has recently highlighted similar violations in administrative proceedings, emphasizing the necessity of compliance with investigation requirements. 

I am requesting that you conduct a thorough investigation, provide me with documentation verifying the legitimacy of the disputed accounts, or delete them from my credit report within the legally mandated timeframe. If my request is not properly addressed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Subject : Privacy Violation by XXXX XXXX Through the Department of Education XXXX XXXX for Loan Forgiveness To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy. I have reason to believe that XXXX XXXX has accessed my private data through the Department of Education without my consent. This constitutes an unauthorized breach of my personal information, and I am requesting an investigation into this matter. 

Additionally, due to this violation and the mishandling of my personal data, I am requesting that my student loans be forgiven. Given the severity of this breach, I believe it is appropriate for the Department of Education to take corrective action in my favor. 

I urge the CFPB to investigate this matter thoroughly and take all necessary steps to protect consumer privacy. Please inform me of any actions I can take to move forward with my request for loan forgiveness. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, consumer reporting agencies and data furnishers are required to ensure the accuracy and completeness of the information reported. Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) Specifically accounts that can not be verified legally, or proof of Identity can not be presented to even let me know who stole my identity. These accounts have been erroneously reported due to identity theft. 
XXXX XXXX $ XXXXFraud Began : XXXX, XXXX XXXX XXXX XXXX $ XXXXFraud Began : XXXX. XXXX, XXXX XXXX XXXX XXXX $ XXXXFraud Began : 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Owed : {$16000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXXXXXX XXXX  Dismissed Reference # XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for an apartment but was denied due to my credit report. After reviewing my report I identified a fraudulent account opened in my name with a bank in South Dakota that I have never heard of nor done business with, XXXX XXXXXXXX XXXX It appears that a credit line was opened without my consent, and also delinquent. I filed an identity theft report with the FTC as well as my local XXXX Police Department due to this issue. I attempted several times to contact XXXX XXXXXXXX XXXX but I was unable to get ahold of a fraud department to help me as they stated that my personal information did not match any accounts managed by them, but yet this information appears on my report! I would like to report this business for not performing their due diligence and opening up a fraudulent account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for an apartment but was denied due to my credit report. After reviewing my report I identified a fraudulent account opened in my name with a bank in South Dakota that I have never heard of nor done business with, XXXX XXXXXXXX XXXX. It appears that a credit line was opened without my consent, and also delinquent. I filed an identity theft report with the FTC as well as my local XXXX Police Department due to this issue. I attempted several times to contact XXXX XXXXXXXX XXXX but I was unable to get ahold of a fraud department to help me as they stated that my personal information did not match any accounts managed by them, but yet this information appears on my report! I would like to report this business for not performing their due diligence and opening up a fraudulent account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for an apartment but was denied due to my credit report. After reviewing my report I identified a fraudulent account opened in my name with a bank in South Dakota that I have never heard of nor done business with, XXXX XXXXXXXX XXXX. It appears that a credit line was opened without my consent, and also delinquent. I filed an identity theft report with the FTC as well as my local XXXX Police Department due to this issue. I attempted several times to contact XXXX XXXXXXXX XXXX  but I was unable to get ahold of a fraud department to help me as they stated that my personal information did not match any accounts managed by them, but yet this information appears on my report! I would like to report this business for not performing their due diligence and opening up a fraudulent account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, which I believe are fraudulent and were not authorized by me. 

Fraudulent Account ( s ) : I have noticed the following account ( s ) listed on my credit report that I did not open, authorize, or benefit from : XXXX XXXX XXXX account number : XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX account number : XXXX Date Opened : XXXX XXXX, XXXX I believe these accounts are the result of identity theft or a mistake. Please investigate this matter and remove the account ( s ) from my report as soon as possible.

In support of my claims, I have attached a copy of my government-issued ID, proof of address, and any other documentation that may assist in the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX TX 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 non-monetary relief