vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Use of My Federal Student Loan Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute and bring to your attention a serious matter regarding the breach and unauthorized use of my federal student loan information. I have reason to believe that my personal and financial data associated with my federal student loans has been illegally accessed and fraudulently utilized without my consent by external parties, including but not limited to individuals such as XXXX XXXX and DOGE. 

This unauthorized use constitutes a clear violation of my rights under the Federal Trade Commission Act ( 15 U.S.C. 45 ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), all of which govern the protection of consumer financial data and prevent unlawful access, dissemination, and misuse of sensitive information.

Due to this fraudulent activity and the breach of my personal data, I assert that my federal student loan obligations should be fully discharged. Under the Higher Education Act ( 20 U.S.C. 1087 ), the Secretary of Education holds the authority to discharge federal student loan debt in cases of identity theft, unauthorized use, or systemic fraud, which applies in my situation. Given the clear breach and the fraudulent exploitation of my financial records, I request that my student loans be immediately forgiven.

I am requesting an immediate investigation into this matter, as well as a formal acknowledgment that my loans are deemed invalid due to this illegal activity. Please provide a prompt response detailing the next steps and actions that will be taken to resolve this issue. 

If further documentation or clarification is required, please do not hesitate to contact me at the information provided above. Thank you for your time and prompt attention to this serious matter.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Use of My Federal Student Loan Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute and bring to your attention a serious matter regarding the breach and unauthorized use of my federal student loan information. I have reason to believe that my personal and financial data associated with my federal student loans has been illegally accessed and fraudulently utilized without my consent by external parties, including but not limited to individuals such as XXXX XXXX and DOGE. 

This unauthorized use constitutes a clear violation of my rights under the Federal Trade Commission Act ( 15 U.S.C. 45 ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), all of which govern the protection of consumer financial data and prevent unlawful access, dissemination, and misuse of sensitive information.

Due to this fraudulent activity and the breach of my personal data, I assert that my federal student loan obligations should be fully discharged. Under the Higher Education Act ( 20 U.S.C. 1087 ), the Secretary of Education holds the authority to discharge federal student loan debt in cases of identity theft, unauthorized use, or systemic fraud, which applies in my situation. Given the clear breach and the fraudulent exploitation of my financial records, I request that my student loans be immediately forgiven.

I am requesting an immediate investigation into this matter, as well as a formal acknowledgment that my loans are deemed invalid due to this illegal activity. Please provide a prompt response detailing the next steps and actions that will be taken to resolve this issue. 

If further documentation or clarification is required, please do not hesitate to contact me at the information provided above. Thank you for your time and prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Use of My Federal Student Loan Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute and bring to your attention a serious matter regarding the breach and unauthorized use of my federal student loan information. I have reason to believe that my personal and financial data associated with my federal student loans has been illegally accessed and fraudulently utilized without my consent by external parties, including but not limited to individuals such as XXXX XXXX and DOGE. 

This unauthorized use constitutes a clear violation of my rights under the Federal Trade Commission Act ( 15 U.S.C. 45 ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), all of which govern the protection of consumer financial data and prevent unlawful access, dissemination, and misuse of sensitive information.

Due to this fraudulent activity and the breach of my personal data, I assert that my federal student loan obligations should be fully discharged. Under the Higher Education Act ( 20 U.S.C. 1087 ), the Secretary of Education holds the authority to discharge federal student loan debt in cases of identity theft, unauthorized use, or systemic fraud, which applies in my situation. Given the clear breach and the fraudulent exploitation of my financial records, I request that my student loans be immediately forgiven.

I am requesting an immediate investigation into this matter, as well as a formal acknowledgment that my loans are deemed invalid due to this illegal activity. Please provide a prompt response detailing the next steps and actions that will be taken to resolve this issue. 

If further documentation or clarification is required, please do not hesitate to contact me at the information provided above. Thank you for your time and prompt attention to this serious matter.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Complaint Regarding XXXX XXXX XXXX XXXX - Account : XXXX Date Closed : XX/XX/year>XXXX  Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against the Credit Buraus for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than seven years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, the credit reporting agency has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit 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 2025-03-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Concerns Regarding Unauthorized Access to Student Loan Information To Whom It May Concern, I am writing to formally express my concern regarding the unauthorized access to student loan records by XXXX XXXX and the Department of Government Efficiency. Reports indicate that XXXX XXXX gained access to the Department of Educations systems, an alarming breach of privacy that compromises my personal and financial data. As an unelected individual, XXXX involvement in such matters raises serious constitutional and ethical concerns. The federal government should safeguard citizens private information, yet this situation has left me feeling deeply uncomfortable and violated. I did not consent to my data being accessed or reviewed by an external party, particularly one with no legal authority to do so. 

Given this breach of privacy and the governments failure to protect my information, I believe the only appropriate resolution is the complete forgiveness of my student loans. My confidence in the systems ability to manage these loans responsibly has been severely undermined, and I should not be held financially responsible for an institution that has failed to secure my sensitive data. Loan forgiveness would be the most justifiable course of action to remedy this breach and restore trust in the system. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2025-03-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: SHABANA MOTORS
State: TX

Complaint narrative:
Shabana motors sent me a cancellation of debt but doesnt want to honor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  TransUnion

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 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
The debt in question does not belong to me. I believe there has been a mistake or mix-up, and I would like to clarify that I am not responsible for this debt. Please review the details and correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 XXXXXX/XX/XXXX - {$1400.00} UNAUTHORIZED COLLECTION - 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 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 2025-03-13 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: CORELOGIC INC
State: VA

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry on my credit report. I have noticed that the company XXXX, through CREDCOXXXX  XXXX, conducted a hard credit inquiry on my report on XX/XX/2024. 

I would like to point out that, on that date, I was a minor and did not authorize this credit inquiry. Since such inquiries require prior consent from the credit holder, I request that this inquiry be removed from my credit report immediately. 

I would appreciate your prompt attention to this matter and written confirmation of the removal of this inquiry from my credit history. If necessary, I am willing to provide additional documentation to support my request. 

Thank you so much.

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 2025-03-13 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: FL

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, the before mentioned credit bureaus consistently respond 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-13 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: FL

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, the before mentioned credit bureaus consistently respond 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am demanding the immediate and full dismissal of my federal student loans due to the compromised integrity of the student loan system. I no longer have confidence that my loan balance, interest calculations, or payment history are accurate, as unauthorized individuals have gained control over the Department of Education ( DOE ) and are mismanaging borrower data for personal financial gain. 

There is evidence that XXXX XXXX and his associates have infiltrated the DOE under the guise of " government efficiency '' and are using their access to student loan records for their own benefit. This raises serious concerns about data security, unauthorized access, and manipulation of loan balances. As a result, I have no way to verify that my debt is legitimate. 

Because my loan data can no longer be considered valid or secure, I refuse to be held financially responsible for a debt that may have been altered, manipulated, or misused. The only acceptable resolution is the complete cancellation of my student loans.

I will not accept any explanation, audit, or review as an alternative to full loan dismissal. The DOE and its servicers have lost the trust of borrowers, and I will not continue making payments on a debt that can not be verified as legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit 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 non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I am writing to formally request the cancellation of my student loan ( s ) under Mohela due to serious violations of federal privacy laws, including but not limited to : 1. FERPA Violations My personal and educational records were improperly disclosed/accessed without my consent.

2. Privacy Act of 1974 Breach My personally identifiable information ( PII ) was mishandled or accessed by unauthorized parties.

3. Higher Education Act Non-Compliance There is evidence of data security failures affecting the legitimacy of my loan.

Under federal law, my rights as a borrower and student were violated, and I demand that my loan ( s ) be immediately canceled due to these breaches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX XXXX has violated my privacy and illegally viewed and/or used my private data through the Dept. of Education without my permission. I feel violated by the U.S. Government Agency, XXXX, who knows what they'll use that data for or where it has gone already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX and DOGE have illegally accessed my private loan information as well as my financial, and personal details attached to it. The privacy of my student loans ( owned solely by the Dep of ed and the govt ) is greatly at risk. I have signed legal contracts and agreements regarding my payment plans going forward and now those agreements have been illegally disregarded and eliminated. The existence of the IDR, SAVE, and REPAYE plans are contractually obligated for those who signed, yet are being dismantled and borrowers like me will be dealing with impossibly large student loan payments that we should not have. The legal documents and privacy statements provided to me upon graduating and every re-certification after feel almost null and void, when I am not being given the repayment plans agreed upon.

Company response to consumer: Closed with explanation