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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX trying to help my XXXX  XXXX XXXX with the XXXX XXXX XXXX XXXX I contacted rushmore servicing with written permission to help determine if his loan was assumable by a new buyer and the criteria and contact point to do so. 

I was given the following email by the customer service rep to get that info : XXXX. When I requested that info using the subject line the service rep said to use I got a template response letter with none of the info I requested and just another number to wait on hold for. 

I'm looking for a direct contact regarding if the note is assumable and if so who I can contact or direct buyer 's towards to determine if they're eligable

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: Experian Information Solutions Inc.
State: TX

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

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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

Complaint narrative:
I am writing to file a formal complaint against XXXX and Nelnet for the unauthorized reinsertion of accounts on my credit report. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) -1, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Summary of the Situation : Despite previous disputes and clear communication indicating that the student loan accounts reported by Nelnet were unauthorized and fraudulent, these accounts have been reinserted onto my credit report by XXXX. I have no contract, agreement, or authorization with Nelnet for any student loans. The continuous reporting of these accounts by Nelnet is damaging my credit and is in violation of my rights. 

Violations and Concerns : Reinsertion without Proper Notification : Under 15 U.S.C. 1681i ( a ) -1, if a previously disputed item is reinserted into a credit report, the credit reporting agency must provide notice to the consumer within five business days. XXXX failed to notify me of the reinsertion of these accounts, violating this provision. 

Failure to Provide Evidence : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any reinserted information must be verified as accurate. Nelnet has not provided any documentation proving my consent to these loans or my agreement to any contractual terms with them or the U.S. Department of Education. Without proper verification, the reinsertion is unlawful.

Aggravated Identity Theft : The unauthorized use of my personal information by Nelnet constitutes Aggravated Identity Theft under 18 U.S.C. 1028A. Nelnet continues to report these accounts without providing proof of my authorization or consent, further violating my rights. 

Violation of Permissible Purpose Requirements : According to 15 U.S.C. 1681b, information can only be furnished if there is a permissible purpose. Since I did not authorize these loans, Nelnet has no permissible purpose to report them.

Demands : Immediate removal of the unauthorized Nelnet accounts from my XXXX credit report. 

Written confirmation from XXXX and Nelnet verifying the removal of these accounts. 

Documentation from Nelnet proving my consent or authorization for the creation and reporting of these accounts. If such documentation can not be provided, acknowledgment that these accounts are unauthorized. 

Investigation into Nelnets reporting practices and potential criminal liability under 18 U.S.C. 1028A.

Should this issue not be resolved promptly, I will pursue all available legal remedies, including filing complaints with the Attorney Generals Office and seeking redress through legal channels.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-03-13 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: VA

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I have never once been able to log in to Mohela- via the desktop website or the XXXX app. Even when putting my name and SSN, it tells me my information does not exist! Yet, they somehow find a way to send me bills via email even though my account is in forbearance until the end of XX/XX/year> and they have not responded to any of my emails to them. I did not even approve of Mohela handling my loans in the first place. I once called and was told they did not have my information on file! On top of this, my personal and financial information was compromised without my express consent. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. DOGE breached this act in a clear violation of FERPA and your responsibility to safeguard my information. I request that you immediately cancel and discharge my student loan debts.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing two inquiries Fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/XXXX and XXXX  XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a credit card with Citibank. It's an XXXX XXXX XXXX card. I had fraud charges from a vendor I did not recognize and contacted Citi bank in XXXX XXXX. They cancelled my card, said they resolved the fraud, did issue credits back to my account. However, after getting my new card in the mail, I again received a fraudulent charge from the same vendor in late XXXX XXXX on the new card. I have been on the phone with Citibank for a collective XXXX hours over the last few days. All they will do is simply cancel and issue a new card as they did in XXXX. They will not explain why, after saying the fraud had been resolved in XXXX, the same vendor was able to charge my card again. I simply asked how issuing a second new card is going to make this problem go away. No explanation is given. They just continue to send me to different people. It's obvious too the calls are going overseas. I don't think I have a physical Citi bank branch in my area otherwise I'd go in and ask someone what to do. This whole experience is disappointing and makes me what to avoid any business with Citibank.

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 monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 your payment plan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

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: EdFinancial Services
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the unauthorized access and deletion of my federal student loan data, as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I am formally requesting the following actions : Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

Debt Cancellation As these violations have jeopardized my financial stability, I request full cancellation of my outstanding student debt as appropriate restitution.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: NV

Complaint narrative:
TEK COLLECT IS CONTACTING ME ABOUT A DEBT WITH XXXX  XXXX XXXX XXXX THIS DEBT IS NOT MINE I DO NOT OWE ANYTHING TO XXXX XXXX XXXX, WHEN INFORMING TEK COLLECT THIS ACCOUNT IS NOT MINE, THEY INFORMED ME THAT THERE ARE NOTES ON MY ACCOUNT STATING DO NOT ENGAGE OR SPEAK TO ME OVER THE PHONE THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$36000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4400.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$84.00} EXPERIAN INQUIRY : XXXX on XX/XX/XXXX XXXX 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 2025-03-13 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: Experian Information Solutions Inc.
State: GA

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

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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