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

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX and DOGE have voilated my policy but accessing my data through the department of education. This is violating rights and my student loans

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: FL

Complaint narrative:
Earlier today, I checked my credit report and saw incorrect accounts that I wasnt expecting. I regularly review my report, and everything was fine before, but now there are errors that appeared out of nowhere. I tried refreshing my browser to see if it was just a system glitch, but nothing changed. Therefore, I am asking for a detailed review of the documents I have submitted to ensure this problem is permanently resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an unauthorized action involving XXXX XXXX and DOGE. It has come to my attention that they accessed student loan information without borrowers consent, violating federal privacy and financial protection laws. 

This unauthorized access may constitute violations of the following : Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) Protects consumers financial privacy and requires institutions to safeguard sensitive financial information. 
Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Regulates access to consumer credit information and prohibits unauthorized use. 
Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ) Criminalizes unauthorized access to protected computer systems, including those storing financial data. 
Higher Education Act ( 20 U.S.C. 1097a ) Protects student borrowers and prohibits unauthorized interference with federal student loan accounts. 

This breach of privacy and security raises serious concerns regarding data protection, borrower rights, and potential misuse of sensitive financial information. Such actions could lead to financial instability, identity theft, fraudulent activity, or other harmful consequences for affected individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The complex where are used to rent stated that they change their administration system and they had an error with my amount, and the collector got that amount and hes trying to charge me, but I have the letter from the complex stating that I dont owe them nothing and and asking to the collector to remove the debt that was one year ago, and the collector is trying to charge me still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
Unauthorized transactions from my chime account {$40000.00}

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 — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
XXXXXXXX XXXX and DOGE has accessed my personal information and has breached my privacy through the department of education. Which is against the 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: NJ

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am writing to formally submit a complaint regarding a potential violation of my rights under the Family Educational Rights ano Privacy Act ( FERPA ) and the Protection of Pupil Rights Amendment ( PPRA ). I have reason to believe that my protected student information was accessed, shared, or misused without my consent, in violation of federal law. 
Given the severity of this violation, I am requesting a full investigation into the matter and, if confirmed, the appropriate corrective action, including but not limited to the cancellation of my federal student loans. I have attached the necessary FERPA and PPRA forms for your review. 
Please confirm receipt of this request and inform me of the next steps in this process. I appreciate your time and attention to this matter and look forward to your response.

Company response to consumer: Untimely response
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: CA

Complaint narrative:
The account in question was charged off in [ XX/XX/XXXX ], which is a one-time event. However, the account continues to be reported as a Charge-Off ( CO ) every month following that initial charge-off date, including throughout XXXX and into XXXX. This repeated charge-off reporting gives the false impression of new and ongoing negative activity, when in fact the account was already closed. 

This type of repeated reporting violates the Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which states that a furnisher of information shall not report any data that it knows or has reasonable cause to believe is inaccurate. Repeated charge-off notations are not only misleading but materially harm my credit profile.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers ' safety.

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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On my Annual XXXX Credit Report there is a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> On my XXXX report there are XXXX  inquiries from these companies : BARCLAYS BANK DELAWARE  XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On : XX/XX/year> Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX On : XX/XX/year> Phone : ( XXXX ) XXXX Inquiry Type : Individual

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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX and XXXXXXXX XXXX payments showing late payments i made the minimum payments and card was payed off, they need to remove the late payments Collection on file for XXXX  when theyre going against my rights sharing my data from a collection agency i didnt agree with i need this removed

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Servicer under contract with Federal Student Aid
State: WV

Complaint narrative:
XXXX XXXX has violated my privacy rights by entering the CFPB headquarters on XX/XX/year>. They requested access to sensitive CFPB information, including internal staff records, competitive industry data and personally identifiable consumer information. 

The damage that XXXX and this administration has accrued is insurmountable. I demand justice for this gross misconduct. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
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: TX

Complaint narrative:
I have asked for correct name to be only name on reporting. If another name is used that has cause fraudulent disruption on my credit and my accounts. I have reported on several occasions and been brushed off. If company can not keep correct information not third party. 
I will have an attorney file charges against credit bureau for actively committing fraudulent activities.

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 — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Hello, I am writing to formally express my concern regarding a potential breach of my privacy involving my student loan data. Recent reports suggest that XXXX XXXX has accessed private borrower information through the Department of Education, which, if true, would constitute a serious violation of my rights under federal privacy laws. As a XXXX XXXX with loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a borrower, I expect that my personal and financial information is protected in accordance with the Privacy Act and other applicable regulations. I am requesting the following : 1. Clarification on whether my personal data has been accessed or shared in any unauthorized manner. 
2. Immediate action to safeguard my information and ensure that no third parties have had improper access. 
3. A formal response detailing what steps your organization is taking to protect borrower data from such breaches. 

I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter further. I request your prompt attention to this issue and a response within 5-7 business days. 

Please confirm receipt of this email and provide me with the next steps to ensure my data remains protected. 


Best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
I attended college from XXXX taxes were taken by this company in the past this account is fraud and I have contacted US Dept Of Education the rep did not give me no balance. I called XXXX asked the rep what the balance was and the rep did not give balance. I applied a few years back for a Mortage Loan and the Bank said I was approved for a Federal Loan and Federal Grant money for 1st time home buyers. There is nothing on any of my XXXX XXXX regarding this account and money was taken for 2 years after it fell off credit report by this company through tax returns being offset for several years. Over the last several years I have received tax returns. This email that I have recently found I barely use the email address the email was originally sent to it is dated back in XX/XX/year> The information that this company has previously reported in the past through numerous complaints to CFPB is information that this company is using from the database from US Department OF Education which is tracking that keeps track of Federal Student Loans and Federal PELL Grants and any Federal Funding for schooling. This collection agency began to pay PELL Grants back. I even contacted the College I went to for a Student Finacial Aid Officer to review this matter she stated that the PELL Grants were being paid back, and she never seen that done before. PELL Grants is funding provided to low-income individuals to assist in funding cost to attend College. Now this Fraud agency is stating that there is interest occurring on a 22 almost 23year Student Loan that is not even owed so this company can now pursue people to repay back their PELL Grants.

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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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
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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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
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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with XXXX XXXX  on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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