vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally report a significant data breach involving the unauthorized access and potential misuse of my protected education records. This incident involves the U.S. Department of Education and the Department of Government Efficiency ( DOGE ), which was recently under the leadership of XXXX XXXX. I have reason to believe that sensitive data belonging to me and other American students may have been accessed, shared, or manipulated without proper consent, violating both legal protections and public trust. 
The records accessed without my authorization include : - My academic transcripts and personally identifiable information ( PII ) - My Free Application for Federal Student Aid ( FAFSA ) data, including my financial aid history and loan documents- My IRS tax transcripts, which are protected under federal law and should not be accessible to third parties without explicit consent These actions are clear violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 
1232g and 34 CFR Part 99. They also violate provisions of the Higher Education Act. Unauthorized access to IRS documents raises red flags for identity theft and financial fraud risks. 
I am formally requesting the following actions : 1. Immediate discharge and cancellation of all federal student loans under my name 2. A comprehensive investigation into the breach, identifying all involved parties 3. A report detailing what data was accessed, when, and how it was stored or shared 4. Preventive security measures to avoid future violations 5. Identity protection support, including fraud monitoring services This incident has caused emotional, reputational, and financial harm. If these requests are not fulfilled within 30 days, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies. 
Supporting evidence of broader systemic issues : - XXXX article : XXXX  : XXXX - XXXX report : XXXX  : XXXX - The Record coverage : XXXX XXXX XXXXXXXX - XXXX XXXX report : XXXX : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED $ {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Reinstatement of Fraudulent Accounts Without Proper Notification Violation of 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally address a serious concern regarding the recent reinsertion of fraudulent accounts on my credit file that had previously been removed following a dispute I submitted along with supporting documentation. The original dispute was investigated and resolved in my favor under Report Number XXXX, resulting in the removal of the fraudulent accounts. 

On XX/XX/XXXX, I was notified via the Experian app that my credit score had decreased. Upon reviewing my credit file, I was alarmed to discover that the same fraudulent accountspreviously deleted as a result of your investigationhad been reinserted by XXXX, Experian, and another credit reporting agency. 

This action was taken without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section mandates that a consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion of any disputed information. The notice must include : A statement that the disputed information has been reinserted ; The business name, address, and phone number ( if available ) of the furnisher of the information ; and A notice informing the consumer of their right to add a statement to their file disputing the accuracy or completeness of the information. 
To date, I have not received any such notice from XXXX. This failure to provide the required notice not only violates federal law but also undermines the integrity of the dispute resolution process and adversely affects my credit profile. 

I am demanding the immediate removal of the reinserted fraudulent accounts and a written explanation regarding how and why this reinsertion occurred without compliance with the FCRA. If this matter is not resolved promptly and in accordance with federal law, I will be forced to consider legal action and will present all supporting documentation and correspondence to substantiate my claim. 

Please treat this matter with the urgency and seriousness it requires. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
In response to previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( s ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. Also, as far as collections I would like to see the original contract and assignment contract of the account to clarify that is my debt. Also, I want to make sure that the collection agencies are licensed and bonded to collect debt in the state of Pennsylvania. Refer to 15 USC 1681 for inaccuracies with those accounts also because no other credit bureaus report those accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
RE : To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, Michigan XXXX Phone Number : Telephone : ( XXXX ) XXXX Social Security Number : SS # : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 



Best Regards,

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
I revoked authorization for Dave, Inc. to withdraw funds from my bank account. I provided written notice, but the company refuses to acknowledge my right to revoke under the Electronic Fund Transfer Act. Their agents are insisting they can not process a revocation because of an outstanding advance. This is misleading and illegal. I want their access terminated and protections enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
I am a victim of the XXXX  data breach. I reviewed my consumer report and there are accounts, inquiries, addresses that I do not recognize. This information is false. I want this information removed from my consumer reports. 

I have attached : ID Social Security Card Proof of Address Affidavit of Identity FTC Report XXXX  Data Breach Confirmation Dispute Letter

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 2025-05-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 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: CL Holdings LLC
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Dispute File XXXX XXXXXXXX | Account XXXX XXXXXXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX, I am writing to dispute the validity of the debt referenced in your recent communication, identified as NCB File XXXX XXXX XXXXXXXX and allegedly originating from XXXX XXXX XXXX I. 

Please consider this a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request the following : XXXX. The amount of the debt ; XXXX. The name of the original creditor and account details ; XXXX. A copy of the original signed agreement or judgment verifying I am legally obligated to pay ; XXXX. Verification that this debt is still legally enforceable, including the date of last payment or activity ; XXXX. Documentation showing that XXXX XXXX XXXX XXXX XXXX has the authority to collect this debt. 

Please be advised that this debt may be past the statute of limitations, and I do not acknowledge or accept responsibility for it. Until this debt is fully validated, I request that you : Cease all collection activities, including phone calls and further correspondence ; Not report this debt to any credit reporting agencies, or if it has already been reported, to remove it immediately. 

If you are unable to provide sufficient verification, or if this debt is determined to be time-barred or invalid, I respectfully request that you close the account and cease all further communication regarding this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - # XXXX XXXX XXXX  XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This informa

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I was asked to pay back an old debt- a loan I co-signed for my father ( now deceased ) at least XXXX or so years ago. The bank at that time waived the debt, but I have no written proof of that. My father declared bankruptcy so was unable to pay any more on the loan, then he passed away XXXX yrs. ago. I had to declare Chapter XXXX in XXXX ( since XXXX in XXXX of XXXX, final discharge in XXXX of XXXX ), however they never tried to collect this debt in the years I was not in bankruptcy. I was finally able to speak with the head of the collections/recovery department at the bank. She was extremely hard to work with. They never sent me any correspondence by mail or email, only talking to this woman over the phone. She would ask me what I could pay each month, I would tell her, she then put me on hold for 30 minutes, came back and told me her " team leaders '' would not accept my proposal. I never got to speak with anyone else, only this woman. In one conversation I told her I could pay a certain amount on XXXX, the same amount on XXXX, then another amount every month. She seemed to agree, then in another conversation I mentioned it and she said she never said that. Yet without my knowledge that exact amount was withdrawn from my checking account on XXXX, not sending me any statement to that effect or email. I tried to find someone in authority ( a lawyer which I could not afford, the local bank manager, even someone at my mortgage company-the bank does not hold my mortgage anymore-no one would get involved. ) I was not trying to get out of paying, I simply needed these people at the bank to communicate properly with me, which they did not do. I am XXXX XXXX XXXX, have lived in my house for nearly 30 years & do not want to lose my home. I do not know how to negotiate with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The debt was resolved XX/XX/year> paid in full upon settlement agreement once paid in full was going to be deleted from my report Zeroed out balance now, and May it reappeared, like nothing was resolved

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