vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Nelnet, Inc.
State: NV

Complaint narrative:
My personal and financial information was compromised without my authorization on XX/XX/2025 by [ DOGE ]. The family and education rights and privacy act ( ferpa ) protects the confidentiality and privacy of student records. This breach is a clear violation of ( ferpa ) and it is your responsibility to safeguard my information. Given the severity of this breach and resulting compromise of my personal and financial information. I'm demanding you cancel and discharge all my student loan debt, within five business days as prohibited by law.

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: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have disputed this inaccurate account more than XXXX times. 
The balance reporting is inaccurate. The balance reflecting on the account is {$8500.00}. The credit limit on the card was only {$2000.00}. 

No charges should have went beyond the {$2000.00} limit. 
This account was reported charged off over XXXX times. The account can only be charged off once. 
The collection department hasnt sent supporting documentation nor have they deleted the debt. 

This debt has been charged off. There was NO XXXX XXXX sent to me in regards to this debt. 
This account was also fully closed with no dispute options.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The accounts in question, [ XXXX XXXX XXXX ], [ Account XXXX XXXX XXXXXXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

[ XXXX XXXX ], [ Account XXXX XXXX XXXXXXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account XXXX XXXX XXXXXXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account XXXX XXXX XXXXXXXX ], Falsely reported late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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: OK

Complaint narrative:
Transunion Failed to Provide " Any '' Documentation and yet " Verified '' Accounts as accurate? Meanwhile, XXXX and XXXX Deleted Accounts? from the same Creditor " XXXX XXXX XXXX '' How can the same Creditor Verify with Transunion, but not XXXX Or XXXX? For accounts XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX This XXXXt Inaccurate for sure. 15 U.S.C. XXXXe ( b )

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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

Complaint narrative:
XXXX XXXX and the XXXX office aquired access to the department of education, including financial aid datasets that contain the private information of millions of students enrolled in this program. My information was among that dataset that has now been compromised. This is a clear violation of the contract regarding student loans as neither XXXX XXXX nor XXXX have any official clearance to view my personal files.

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: MD

Complaint narrative:
This collection from XXXX XXXX XXXX was not authorized to be on my credit report. This is fraudulent and a violation of my consumer rights and I demand this account to be removed. Im not liable for this debt. It says it was opened on XX/XX/year> for {$45000.00} with account numbers starting with XXXX. 

Please remove this collection ASAP and cease all communication or I will file a CFPB and FTC report.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you regarding discrepancies Ive identified in my credit file. Upon review, I would like to formally dispute the following inaccurate or incorrect information. 

XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$110.00}

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
Employees from XXXX XXXX XXXX sold my personal information to a company called Synergetic Communications , Inc which violates 15 United States Code 1681b-permissible purposes. Employees from Synergetic Communications has no first hand on that an agreement was executed or that an alleged loan was issued by employees from XXXX XXXX XXXX. Employees from XXXX refuse to provide an original agreement which can not be separated from the alleged loan in which they claim was issued. XXXX XXXX XXXX has no rights and does not get qualified immunity for conducting deceptive business practices. XXXX employees must report all loans over {$10000.00} to FinCen.gov. Therefore if employees have alleged that a loan was issued then they must provide an authenticated original agreement, the loan and the report submitted to FinCen.gov.

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: NY

Complaint narrative:
The company never investigated the accuracy of my credit thus leaving inaccurate items on my 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 2025-03-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries 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 — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX. XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. I attended the University XXXX XXXX for my XXXX XXXX XXXX in XXXX XXXX XXXX, from XXXX to XXXX. I attended the University XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ( XXXX ) from XXXX to XXXX and XXXX University for XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
According to XXXX XXXX XXXX I am delinquent, however my loans seem to have been spread out between XXXX/Mohela/XXXX. 

I had them in Forbearance for a very long time as my financial situation is in no way getting better. 

After XXXX and XXXX  illegally accessed my student loan information I suddenly have thousands more in debt. I don't know exactly what they did but I am no longer able to defer nor pause. Nor apply for the XXXX XXXX XXXX XXXX option since I have been employed by a non-profit for nearly a decade.

My financial health ( credit score etc... ) as it were, should not rest on the whims of whatever party or persons elected into office.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXXB of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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: CA

Complaint narrative:
ALL THREE CREDIT BUREAU REFUSE DISPUTE INQUIRIES ON REPORT AND DROP POINTS OF XXXX POINTS ON 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 2025-03-15 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: CA

Complaint narrative:
ALL THREE CREDIT BUREAU REFUSE DISPUTE INQUIRIES ON REPORT AND DROP POINTS OF XXXX POINTS ON 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 2025-03-15 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: MN

Complaint narrative:
I did not give the Department Of Government XXXX, permission to access my personal and private data. XXXX violated the XXXX agreement that I signed, by doing so.

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: EdFinancial Services
State: MN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX and his team of Department of Government Efficiency ( DOGE ) have gained access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. My loan servicer is the Department of Education/EDFinancial XXXX I received XXXX loans for higher education from XXXX different schools back in XX/XX/XXXX and XX/XX/XXXX. The actions of DOGE are a breach of contract as I gave no permission for entities outside the Department of Education to access my financial information.

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: TN

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I was going to make a purchase and checked my bank account beforehand to notice a drastic difference from what it should be. After investigation I saw XXXX unauthorized transactions from XX/XX/XXXX, XXXX, and XXXX. I immediately called my bank ( Ally ) to inform them of these charges and file a dispute. The transactions were labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have my card information connected to a XXXX account and have not used that payment method to send funds to anyone in years. I am unsure how or who obtained my information but it was not authorized nor was it a payment made or sent by me or by an account owned by me or anyone I know. Ally has not yet returned the funds, pending an investigation, XXXX and XXXX have not responded to a request for a claim as of writing. It should not be legal or achievable for someone to obtain your card details and utilize them through a XXXX party service to steal money from victim 's checking accounts. This is a significant security threat.

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 collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Jefferson Capital Systems, I am writing to formally dispute the validity of the alleged debt referenced as XXXX under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692g ( a ), you are required to provide written notice of the debt, including the amount owed, the name of the creditor, and a statement of my right to dispute the debt within XXXX ( XXXX ) days of your initial communication. 

Furthermore, under 15 U.S.C. 1692g ( b ), once I have disputed this debt in writing, you must cease all collection activities until you have provided adequate validation, including documentation proving that I am legally responsible for this debt.

Legal Basis for Dispute and Deletion Request : Failure to Provide Proper Validation If you can not provide proper validation as required by 15 U.S.C. 1692g ( b ), you must immediately cease collection efforts and delete any credit reporting.

Inaccurate Reporting Under FCRA 15 U.S.C. 1681s-2 ( b ), debt collectors are prohibited from reporting inaccurate or unverified debts to credit bureaus.


Recent CFPB Guidance ( 2023 ) The Consumer Financial Protection Bureau ( CFPB ) mandates that debt collectors provide substantial proof of debt validity before reporting it to credit agencies.

Statute of Limitations Expired If applicable, state-specific statutes of limitations may prohibit further collection attempts and reporting.

Given these regulations, I request : Immediate deletion of this debt from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Written proof of the debts validity, including signed agreements, billing statements, and chain of ownership. 

XXXX of all collection activities until validation is provided. 

Failure to comply will result in a formal complaint with the CFPB, FTC, and State Attorney Generals Office and potential legal action.

Please respond within XXXX  days as required by law. If this debt can not be verified, you must cease reporting it per FCRA 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation