vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am submitting a formal complaint against National Recovery Agency for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( XXXX ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), XXXXViolation of XXXX ( XXXX XXXX. XXXX ) & Unauthorized Disclosure of Medical Information Under XXXX regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( XXXXXXXX ) without my written consent. National Recovery Agency has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating XXXX privacy rules and federal law. XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX XXXX XXXX ) 15 U.S.C. XXXXe ( XXXX ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. XXXXf ( XXXX ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. XXXXg ( b ) Requires proper debt validation before reporting or collection. National Recovery Agency has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX. ) 15 U.S.C. XXXXb ( a ) ( XXXX ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. XXXX ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance.

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Account opened fraudulently an left negative impact on credit having hard time removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: SC

Complaint narrative:
This letter serves as a formal demand to immediately remove all fraudulent and inaccurate information appearing on my credit report. My personal information was compromised in multiple documented data breaches. As required under federal law, I have already filed a report with the Federal Trade Commission ( FTC ) and submitted a police report, both of which have been previously provided to your office. 

According to 15 U.S. Code 1681c-2, upon receipt of such documentation, any consumer reporting agency is legally obligated to block the reporting of fraudulent information within four ( 4 ) business days. Your continued reporting of these accounts constitutes a direct and willful violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( 6 ), any information furnished that is found to be inaccurate or the result of identity theft must be deleted or corrected immediately. Your failure to comply has subjected me to continued harm, including credit denials, emotional distress, and financial setbacks.

Be advised : You are in violation of FCRA provisions and 15 USC 1681c-2, which mandates the blocking of information resulting from identity theft.

You have four ( 4 ) days from the date of this letter to remove all fraudulent information tied to the compromised data.

Failure to comply will result in formal complaints to the CFPB, FTC, and may lead to civil litigation under 15 USC 1681n and 1681o for willful and negligent noncompliance, including statutory and punitive damages. 

I am demanding the immediate removal and permanent suppression of all fraudulent accounts and inquiries not authorized by me. This includes any tradelines, inquiries, or collection accounts tied to the breached information. 

Please confirm removal in writing within the legal four-day period.

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 2025-04-12 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, XXXX '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.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 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 explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute Ally Financial Account Reporting Inaccuracies and False Late Payments To Whom It May Concern : This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and related statutes. After reviewing my credit reports from your agencies, I have identified inaccurate and unlawful reporting by XXXX XXXX, including false late payments and misrepresented account details. I have never been late on this account, and your continued publication of these inaccuracies is both defamatory and a willful violation of federal law. 

As a data furnisher, XXXX  XXXX  is bound under 15 U.S. Code 1681s-2 to provide accurate information. As a credit reporting agency, you are required to correct or delete inaccurate or unverifiable data once a consumer dispute has been submitted. The fact that these late payments remain despite their inaccuracy indicates gross negligence and noncompliance on your part as well.

Accordingly, I am demanding the immediate and permanent removal of : All late payments related to the XXXX  XXXX account Any and all inaccurate, outdated, or unverifiable information associated with this account across all three credit bureaus If this matter is not resolved within XXXX calendar days, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil legal action for actual, statutory, and punitive damages under federal law. 

This notice is being retained as evidence for legal proceedings. 
GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute Ally Financial Account Reporting Inaccuracies and False Late Payments To Whom It May Concern : This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and related statutes. After reviewing my credit reports from your agencies, I have identified inaccurate and unlawful reporting by XXXX XXXX, including false late payments and misrepresented account details. I have never been late on this account, and your continued publication of these inaccuracies is both defamatory and a willful violation of federal law. 

As a data furnisher, XXXX  XXXX  is bound under 15 U.S. Code 1681s-2 to provide accurate information. As a credit reporting agency, you are required to correct or delete inaccurate or unverifiable data once a consumer dispute has been submitted. The fact that these late payments remain despite their inaccuracy indicates gross negligence and noncompliance on your part as well.

Accordingly, I am demanding the immediate and permanent removal of : All late payments related to the XXXX  XXXX account Any and all inaccurate, outdated, or unverifiable information associated with this account across all three credit bureaus If this matter is not resolved within XXXX calendar days, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil legal action for actual, statutory, and punitive damages under federal law. 

This notice is being retained as evidence for legal proceedings. 
GOVERN YOURSELVES ACCORDINGLY. 

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 2025-04-12 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: AZ

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 605B 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 2025-04-12 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: FL

Complaint narrative:
XX/XX/year> I mailed off documentation that includes I paid off balances on my credit file, equifax and Experian is still reporting as negative balances

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 2025-04-12 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: Nelnet, Inc.
State: NC

Complaint narrative:
3 loans are showing up fraudulently on my credit report {$3100.00} {$2300.00} {$880.00} The age of the loans is over 17 years. They have been reported before and removed from my credit report. Somehow Nelnet has added them back incorrectly, I have filed and contacted them directly to have them removed again with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: MD

Complaint narrative:
The U.S. Government allowed a XXXX XXXX XXXX  access to my private and protected information. This has nothing to do with the lender, and u have paid my bills on time for nearly the last two decades. Violating my privacy is an infringement on my right, and is in conflict to what I originally signed for. Because of the U.S. Governments erroneous actions, I should not be held accountable for doing the right thing when they continually do the wrong thing without consequences. Forgiveness of this loan would be the consequence of their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank drilled out my safe deposit box without any prior communication, written notice, or authorization from me. I was never notified via phone, email, or mail that any action was being taken regarding my box. 
When I went to the branch to access it, I was informed by the branch manager that the safe deposit box had drilled out. However, the manager refused to provide any explanation or documentation related to the closure. I was simply told that Wells Fargo is in possession of my belongingsbut they will not release them to me. 

This situation is extremely distressing. I am the rightful owner of the contents of that box, and I have received no due process, transparency, or reasonable explanation for the banks actions. My attempts to escalate the issue through customer service have gone unanswered or resulted in vague responses.

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 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Student Loan Obligations Due to Data Breach and Privacy Violations under FERPA and Title IV To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my federal student loan obligations serviced and/or originated by the U.S. Department of Education ( DOE ) and associated loan servicers. This dispute arises from a recent data breach involving DOGE ( Department of Government Education ), which compromised sensitive personal and educational data belonging to student borrowers, including myself.

This breach represents a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), codified under 20 U.S. Code 1232g, and regulations implementing Title IV of the Higher Education Act of 1965, codified under 20 U.S. Code 1070 et seq.

Grounds for Dispute : 1. Violation of FERPA ( 20 U.S.C. 1232g ) : Under FERPA, educational institutions and agencies receiving federal funds are required to protect students education records and personally identifiable information. The recent breach constitutes a failure to maintain appropriate security and confidentiality safeguards, resulting in the unauthorized disclosure of my private data.

2. Violation of Title IV Requirements : Title IV of the Higher Education Act governs federal student financial aid programs. As a condition of participation, institutions must adhere to all federal privacy and data protection regulations. The breach indicates non-compliance with statutory and regulatory conditions for federal financial aid, calling into question the legal enforceability of loan agreements formed under such noncompliance. 

XXXX. Material Breach of Contractual and Statutory Obligations : The XXXX Department of Education and/or its servicers failed to uphold their legal duty to safeguard borrower information. This breach of fiduciary responsibility undermines the integrity of the loan contracts and may render them voidable.

4. Consumer Harm and Privacy Violations : I have suffered, and may continue to suffer, from identity theft risks, loss of privacy, financial exposure, and emotional distress as a result of the DOGE data breach. These harms are directly attributable to the Department of Education 's failure to comply with FERPA and Title IV.

I am submitting this dispute under my rights as a consumer and borrower, and request that my complaint be entered into the official record. Please treat this matter with the utmost urgency. 

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 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Student Loan Obligations Due to Data Breach and Privacy Violations under FERPA and Title IV To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my federal student loan obligations serviced and/or originated by the U.S. Department of Education ( DOE ) and associated loan servicers. This dispute arises from a recent data breach involving DOGE ( Department of Government Education ), which compromised sensitive personal and educational data belonging to student borrowers, including myself.

This breach represents a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), codified under 20 U.S. Code 1232g, and regulations implementing Title IV of the Higher Education Act of 1965, codified under 20 U.S. Code 1070 et seq.

Grounds for Dispute : 1. Violation of FERPA ( 20 U.S.C. 1232g ) : Under FERPA, educational institutions and agencies receiving federal funds are required to protect students education records and personally identifiable information. The recent breach constitutes a failure to maintain appropriate security and confidentiality safeguards, resulting in the unauthorized disclosure of my private data. 

XXXX. Violation of Title IV Requirements : Title IV of the Higher Education Act governs federal student financial aid programs. As a condition of participation, institutions must adhere to all federal privacy and data protection regulations. The breach indicates non-compliance with statutory and regulatory conditions for federal financial aid, calling into question the legal enforceability of loan agreements formed under such noncompliance. 

XXXX. Material Breach of Contractual and Statutory Obligations : The XXXX Department of Education and/or its servicers failed to uphold their legal duty to safeguard borrower information. This breach of fiduciary responsibility undermines the integrity of the loan contracts and may render them voidable.

4. Consumer Harm and Privacy Violations : I have suffered, and may continue to suffer, from identity theft risks, loss of privacy, financial exposure, and emotional distress as a result of the DOGE data breach. These harms are directly attributable to the Department of Education 's failure to comply with FERPA and Title IV. 

I am submitting this dispute under my rights as a consumer and borrower, and request that my complaint be entered into the official record. Please treat this matter with the utmost urgency. 

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 non-monetary relief