vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Debt Validation Request To Whom It May Concern, I am writing to formally request validation of a debt that has been reported to me and possibly to the credit reporting agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive verification of any debt that a debt collector claims I owe.

I recently received a collection notice from United Revenue regarding an alleged debt with the following details : Original Creditor : Texas XXXX XXXX Alleged Amount Owed : {$1500.00} I am requesting that you XXXXrovide me with the following information to validate the debt : 1. A copy of the original signed agreement or contract that proves I am legally responsible for this debt. 2. A detailed statement accounting for how the debt amount was calculated, including all fees, interest, and other charges. 3. Evidence that the debt collection agency is legally authorized to collect this debt on behalf of the original creditor. 4. Proof that the statute of limitations on this debt has not expired. 5. The name and address of the original creditor. Please note that under the FDCPA, you are required to provide this validation within 30 days of receiving this request. Until I receive proper validation of this debt, I request that you cease all collection activities and remove any negative reporting related to this debt from my credit report. If you are unable to provide sufficient validation of this debt, I expect that you will remove this debt from my credit file and cease all further communication regarding this matter. 



Thank you for your prompt attention to this matter. Please provide a written response to the address listed above. 



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: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX {$3400.00}, XXXX XXXX {$3900.00}, XXXX XXXX {$5400.00}, XXXX XXXX {$290000.00}, XXXX XXXX XXXX XXXX XXXX {$650000.00}, XXXX  balance {$52.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX {$3400.00}, XXXX XXXX {$3900.00}, XXXX XXXX {$5400.00}, XXXX XXXX {$290000.00}, XXXX XXXX XXXX XXXX XXXX {$650000.00}, XXXX  balance {$52.00}

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed i XXXXXXXX XXXX XXXX balanced {$480.00} XXXX XXXXXXXX balanced {$3800.00} XXXX XXXXXXXX balanced {$1700.00} XXXX XXXXXXXX balanced {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am writing to formally follow up on the ongoing issues related to my account and the lack of appropriate response from PNC bank regarding my complaints. As you are aware, I have already submitted two separate reports ( Complaint XXXX : XXXX and Complaint XXXX : XXXX ) to the Consumer Financial Protection Bureau XXXX CFPB XXXX and PNC bank FAILS to XXXX XXXX the problems Ive encountered by sending me inappropriate and informal emails, violating XXXX procedural flows. 

Despite these reports being logged in the CFPB system, I have not received a satisfactory resolution or response. Instead, I receive private emails from an XXXX Client Relations XXXX XXXX called XXXX XXXX These emails seems to express abuse, and if not neglect of the urgency of my complaints. 

It has been made clear in our prior communications that this issue has been severely disruptive to my education, and the delay in resolving it is having a direct, negative impact on my ability to proceed with my studies and pay my bills on-time. 

The recent direct and informal response, received outside XXXX platform, indicated that a solution would not be provided until XX/XX/year>, which is an unacceptable and unreasonable delay considering the urgency of my case. This extended timeline is not only causing further hardship but also demonstrates a lack of priority on the part of PNC bank in resolving matters that affect their customers education, lives, and well-being. 

I trust that your team will take the necessary steps to resolve this matter quickly. I would greatly appreciate it if you could provide me with a detailed update on the status of my complaint as soon as possible. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXXT # XXXX Account # XXXX # XXXX Account # XXXX XXXXr # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I look at my 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after and revestigation 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 if information, as appropriate, based on 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 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: SC

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 through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX XXXX and XXXX. who do not have clearance to view my personal data, especially my student loan data that is FERPA protected, has viewed my student loan data and perhaps altered it. This breaks the contract i have with my federal student loans and I request to have all of my loans forgiven. This isnt about not wanting to honor my loans, its about them doing something extremely illegal by viewing my data without my consent without appropriate government clearance.

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: IN

Complaint narrative:
XXXX XXXX and XXXX accessed my information without consent, thereby voiding my contract with the lender.

Company response to consumer: Closed with explanation
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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX and DOGE having complete access to my accounts and loans is a direct violation of my contracts

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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  is reporting late payments to a closed account, also they are reporting different amounts owed on all bureaus and late payments /amounts because of this incorrect reporting I was denied credit, and under the fair credit reporting acting, there must be accurate information..

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: 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  is reporting late payments to a closed account, also they are reporting different amounts owed on all bureaus and late payments /amounts because of this incorrect reporting I was denied credit, and under the fair credit reporting acting, there must be accurate information..

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXXXXXX XXXX and the XXXX team have accessed my loan information without my consent and without legal authority and violated my contract and my privacy rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Due to XXXXXXXX XXXX and XXXX viewing my loan without my permission, and by breaking the loan, my contract should be void. I request forgiveness due to illegal practices.

Company response to consumer: Closed with explanation
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: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
XXXX XXXX and XXXX illegally accessed my private data information which breaches the contract that was signed between me and the federal government. I did not give them permission to access my information or know what they were using it for.

Company response to consumer: Untimely response
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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed a team at the XXXX XXXX XXXX  XXXX ( XXXX ) to illegally access student loan data in the Department of Education database. My data was compromised in this act. This is a breach of contract.

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: Improper use of your report — Reporting company used your report improperly
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 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
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: OK

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of 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. As I, and the general public, had no warning about this happening, there was no way to get into the system to safeguard any information. I have no idea what the result of their manipulation of the system will be, but my personal information is now compromised in ways of which I did not anticipate and do not approve. There is no way to control what this group of unelected bureaucrats are going to do or have already done with my personal information.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX, NY XXXX XXXX XXXX [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Unauthorized Access to My Student Loan Information by D.O.G.E. and XXXX XXXX  Dear CFPB Complaint Intake XXXX, I am writing to formally complain about a serious breach of privacy and potential misuse of my personal information related to my student loans. I have reason to believe that an organization known as XXXX. and individuals or entities associated with XXXX XXXX have gained unauthorized access to my student loan records and personal data. 

As a borrower, I entrusted my information to student loan servicing entities with the expectation that it would be protected in strict accordance with the law. The possibility that third partieswithout my knowledge or consentmay have accessed my personal financial data is deeply concerning and constitutes a violation of my rights under existing privacy and consumer protection laws. 

I am requesting the CFPB to : Initiate an immediate investigation into this matter to determine whether my data was accessed without authorization. 
Clarify the role ( if any ) of XXXX. and XXXX XXXX in obtaining or using my information. 
Provide transparency into whether government agencies or loan servicers are sharing data inappropriately with external individuals or organizations. 
Ensure corrective actions are taken to prevent any further breaches of privacy or misuse of my financial data. 
I am concerned that this incident may violate federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), and may expose me to financial harm or identity theft. 

I appreciate your immediate attention to this matter and request a timely response outlining the next steps. 

Thank you for your support in safeguarding consumer rights and data privacy. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX # XXXX Account # XXXX  XXXX  # XXXX Account # XXXX XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX  # XXXX Account # XXXX # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX  XXXXXXXX XXXX XXXX XXXXXXXX I look at my 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In generallf, after and revestigation 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 if information, as appropriate, based on 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
Consumer complaint received 2025-03-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX XXXX DEPARTMENT ISSUED ME A XXXX XXXX DEBIT CARD NO XXXX I WAS ISSUED THREE SEPERATE PAYMENT AND DIRECT DEPOSITS THAT I NEVER SEEN THEY WERE EITHER TRANSFERED TO ANOTHER ACCOUNT AND OR ETC. ON XX/XX/year> XXXX MADE A DIRECT DEPOSIT OF {$4900.00} TO MY ACCOUNT I NEVER SEEN, ON XX/XX/year> XXXX MADE PAYMENT OF {$2700.00} WHICH I NEVER SEEN ON MY ACCOUNT, ON XX/XX/year> XXXX GRANTED A CLAIM FOR {$9000.00} WHICH WAS CLOSED AND THE FUNDS WERE WITHDRAWN. MY XXXX BENEFITS ARE NOW BEING DELAYED TO THE MAX, BEING NEGLECTED DUE TO A FRAUDALENT XXXX XXXX XXXX CASE NO XXXX CRIMINAL CASE DUE TO A ELDER FINANCIAL ABUSE WHICH IS NOT TRUE THIS CASE IS BEING HANDLED BY LA LAWYERS WHOM HAVE PLACED A TAX LIEN, AND POTHER FRAUD STATEMENTS ONLY TO ROB ME FROM ALL OF MY FINANCES.THERE IS ALSO ANOTHER FRAUDALENT CASE DEALING WITH DISSOLUTION MEANING A DIVORCE IN MY NAME XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO ANOTHER FRAUDALENT CASE OVER AT XXXX VIEW XXXX XXXX XXXX NAME XXXX XXXX STATING THAT I AM A XXXX CASE WHICH IS NOT TRUE ONLY TO ROB ME I CURRENTLY RESIDE AT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WHERE I LIVE WITH THIS MAN BY THE NAME OF XXXX XXXX XXXX WHO TREATS ME LIKE A PIECE OF XXXX WHILE HE IS PROBABLY INVOLVED ALSO THERE IS ANOTHER FRAUDALENT CASE AT XXXX XXXX WHICH WAS DISMISSED INVOLVING MYSELF FOR A XXXX CHARGE WHEN IT IS CONTRARY I HAVE BEEN SET UP BY POSSIBLY THE PEOPLE OF THE STATE, GOVERNMENT, ONLY TO ROB ME POSSIBLY A CLEARINGHOUSE JUDGEMENT

Company response to consumer: Closed with explanation