vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX *** Formal Dispute and Request for Damages under the Fair Credit Reporting Act ( FCRA ) ** To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report and to request damages due to violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous dispute, your agencies continued to report inaccurate information, which has since been removed, confirming the errors. Your failure to conduct a proper investigation and to ensure maximum possible accuracy has caused me financial and reputational harm. 

# # # **Issues Identified : ** XXXX. *XXXX XXXX** Your agencies initially reported this account as accurate, yet XXXX XXXX later removed it, proving it was not valid. This demonstrates a failure to ensure the accuracy of the information as required under **15 U.S.C. 1681e ( b ) **. 
XXXX. **Unauthorized Inquiries** Multiple inquiries on my credit report were not authorized by me and were incorrect, violating my rights under **15 U.S.C. 1681b**. 
XXXX. **Incorrect Accounts** Various accounts were removed from my credit report after my disputes, confirming they should not have been reported in the first place. 

# # # **FCRA Violations : ** - **Failure to Ensure Maximum Accuracy ( 1681e ( b ) ) ** Credit reporting agencies must ensure the information they report is accurate. Your failure to do so caused unnecessary harm. 
- **Failure to Properly Reinvestigate ( 1681i ( a ) ) ** I exercised my right to dispute inaccurate information, yet your agencies failed to conduct a reasonable reinvestigation before I had to escalate the issue. 
- **Reporting of Inaccurate Information ( 1681s-2 ) ** Since these accounts and inquiries were later removed, your agencies reported false information, which negatively impacted my creditworthiness. 

# # # **Request for Damages : ** Due to the harm caused by these violations, I am demanding damages of ** {$1000.00} per incorrect item corrected**, in accordance with **15 U.S.C. 1681n** ( willful noncompliance ) and **15 U.S.C. 1681o** ( negligent noncompliance ). If this matter is not resolved promptly, I am prepared to pursue legal action to enforce my rights. 

I request a response within XXXX days** acknowledging my claim and confirming the compensation owed. Additionally, please provide written confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened the account online through their website, and after a few weeks they blocked my account, I called the phone number they provided me and during the call they told me I had to go to a nearby office to confirm my identity, which I brought my social security, work permit, driver 's license and my passport, the bank employee did his job by calling the person in charge of the blocked accounts department and the reason they gave him was because they had made a transfer of {$1000.00} to me which I told him that my partner had made it to me, I showed the bank employee that it was part of the rent payment, at the end of the call the bank employee told me that in 2-3 days they would unblock my account and if not to call to see what had happened, days went by and I still couldn't log in and I called the number again and the result of the call was negative since they told me they couldn't unblock my account, which I told them that I had already gone to the bank and had done everything they had asked me, what would I have to do to unblock it and they told me that they couldn't tell me since the decision was taken.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$1600.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX Balance : {$190.00} XXXX  XXXX  XXXX XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding a violation of the Family Educational Rights and Privacy Act ( FERPA ) related to my student loan records. On [ specific date ], it was brought to my attention that DOGE accessed confidential student loan files without authorization, compromising sensitive personal and financial information. 

The details of the violation are as follows : Date of Incident : XX/XX/year> Entity Involved : DOGE Nature of Violation : Unauthorized access to private student loan records, which contain personally identifiable information.

Impact : Potential exposure of sensitive financial and academic data, raising concerns about privacy breaches and misuse of 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within XXXX  days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

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 — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I didnt consent to XXXX XXXX and DOGE gaining access to my private loan records. They breached both the contract verifying the safety of my information and the laws that are in place to protect it.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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

Company 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: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX  XXXX XXXX has sold shares received from BofA XXXX XXXX  XXXX XXXX XXXXThere is also a control number XXXX which has now been desolved.Listed in XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is their legal partner.Through this caliber action BofA XXXX XXXX XXXX XXXX  XXXX sold property into stock around XXXX.

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

Complaint narrative:
Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax XXXX XXXX, I recently reviewed my credit report and noticed several hard inquiries that I do not recognize. Upon further review, I found that all of the unauthorized inquiries were made by XXXX XXXX  XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I do not have any accounts, applications, or business with XXXX XXXX  XXXX, and I did not authorize these credit inquiries. As such, I believe these may be a result of identity fraud. 

Please assist me in investigating this matter and removing these unauthorized inquiries from my credit report. Additionally, I would appreciate any guidance on steps I should take to prevent further fraudulent activity. 

If you require any further information to process this dispute, please let me know. I appreciate your prompt assistance in resolving this issue.

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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: WI

Complaint narrative:
XXXX  had/s access to my student loan information held by NelNet, a federal student loan holder, without my permission. This has broken my contact. XXXX does not have clearance to access 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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report

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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX XXXX and DOGE who do not have clearance to view my personal data, have illegally accessed student loan information and therefore broke our contract regarding my federal loans.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA
State: KY

Complaint narrative:
The agreement I signed for student loans does not allow for unelected people to view my borrowing or payment history. this is a direct break of the contract i signed with the federal government. I request this loan and contract be removed, as I did not agree to this.

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: 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: NH

Complaint narrative:
On XX/XX/year>, XXXX XXXX directed his XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems, illegally, within the Department of Education, including the financial aid database that contains the personal information of millions of students enrolled in the Federal student aid program. 

My information was amongst that information illegally obtained. I did not give my consent to have my private, personal information given to 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: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX  and doge has viewed and obtained my personal data regarding my student loans without consent or clearance. Risking my information to outside entities and 3rd parties. This is a breach of contract! My lender is unable to provide me with any information as to what was viewed or obtained. Which again, breaks my trust with the borrower and the agencies who allowed doge and XXXX to get my student loan information without my consent and download my information to outside servers and data storage devices.

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: MOHELA
State: PA

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX XXXX, and I am seeking your assistance regarding an ongoing issue with my federal student loans that remains unresolved despite my persistent efforts to secure an Income-Driven Repayment ( XXXX ) plan.I graduated with a XXXX in Education in XX/XX/XXXX, and on XX/XX/XXXX, I submitted my application for an IDR plan to my loan servicer, Mohela. After nearly XXXX months of waiting, I received confirmation from Mohela on XX/XX/XXXX, acknowledging receipt of my application. However, I was never enrolled in the income-driven repayment plan, and my application remains unprocessed. 
In XXXX, I took the initiative to contact Mohela again to request an administrative forbearance after enduring over XXXX hours on hold. During that call, I was informed that my paperwork had not been processed. I was then referred to a third-party vendor responsible for handling such applications, where I again faced over an hour of waiting before speaking to a representative.As of XX/XX/XXXX, I have still not been enrolled in the correct plan, despite my ongoing efforts to address this issue. During my last call on Thursday, XX/XX/XXXX, I faced an additional wait of about XXXX hours and XXXX minutes and NEVER spoke to an agent. Then, today, Friday, XX/XX/XXXX, I tried once more to connect with a live representative, but after waiting on hold for XXXX hours and XXXX minutes, I still couldn't reach an agent. Consequently, the issue remains unresolved. As a borrower, I am finding it increasingly difficult to connect with MOHELA customer service representatives. I have documented evidence, including photographs, indicating that I spent a total of XXXX hours on the phone over the course of XXXX days attempting to reach a live representative without success. 
It seems that MOHELA 's operational practices prioritize profit over borrower assistance, leading to significant delays and misinformation regarding crucial processes like the Public Service Loan Forgiveness ( PSLF ) and income-driven repayment ( IDR ) applications. Given these circumstances, I respectfully request your guidance on how to navigate this issue effectively and to ensure that my rights as a borrower are upheld. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX XXXX  XXXX ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a retail installment account with XXXX XXXX XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief