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

Complaint narrative:
I am writing the complaint because I have not been treated within the guidelines and all the credit agencies do is try to stall me out and make things difficult. I have been a victim of identity theft because of the equifax data breach and I need my situation advocated for

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

Complaint narrative:
My personal private information was accessed by a DOGE employees that were not elected or given federal security clearance to access personal. private financial information. I do not want this office to have my personal information and did not give consent for them to access my 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: 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Equifax Experian TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Formal Dispute Regarding Inaccurate information on my credit report Dear, Trans Union I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Experian and Trans Union for it failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices outlined by the CFPB include : Conducting an adequate investigations that failed to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner.

Please review the inaccurate information being reported.

Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. Provide me with any documentation you relied on if the disputed information is verified as accurate. Ensure that Inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of the information of my credit report. 

Furthermore, I request reading confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserved the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly, I will look forward to your response within them legally mandated 30 day timeframe. 

Sincerely yours truly, XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to formally dispute my student loans and demand their immediate cancellation and discharge due to the unauthorized compromise of my personal and financial information. As you are aware, under the Family Educational Rights and Privacy Act ( FERPA ), my student recordsincluding personally identifiable financial informationare protected by federal law. Your failure to safeguard this information constitutes a serious violation of FERPA and your legal obligation to maintain the confidentiality and security of my records.

I did not authorize the disclosure or compromise of my personal and financial data, and this breach has resulted in significant harm. Given the severity of this violation and the direct impact on my financial security, I am invoking my rights under applicable laws and regulations to request that you : Immediately cancel and discharge all outstanding student loan debt associated with my account.

Provide a written confirmation of the loan discharge within five ( 5 ) business days from the date of this letter.

Conduct an internal investigation into this breach and provide me with a report on how my information was compromised.

Failure to comply with this request will leave me no choice but to escalate this matter to the U.S. Department of Education, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant oversight agencies for further legal action.

I expect a prompt and written response within the next five ( 5 ) business days. If you require any additional information to process this request, please contact me immediately. 

Sincerely,

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to formally dispute my student loans and demand their immediate cancellation and discharge due to the unauthorized compromise of my personal and financial information. As you are aware, under the Family Educational Rights and Privacy Act ( FERPA ), my student recordsincluding personally identifiable financial informationare protected by federal law. Your failure to safeguard this information constitutes a serious violation of FERPA and your legal obligation to maintain the confidentiality and security of my records.

I did not authorize the disclosure or compromise of my personal and financial data, and this breach has resulted in significant harm. Given the severity of this violation and the direct impact on my financial security, I am invoking my rights under applicable laws and regulations to request that you : Immediately cancel and discharge all outstanding student loan debt associated with my account.

Provide a written confirmation of the loan discharge within five ( 5 ) business days from the date of this letter.

Conduct an internal investigation into this breach and provide me with a report on how my information was compromised. 
Failure to comply with this request will leave me no choice but to escalate this matter to the U.S. Department of Education, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant oversight agencies for further legal action.

I expect a prompt and written response within the next five ( 5 ) business days. If you require any additional information to process this request, please contact me immediately. 

Sincerely,

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: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX and DOGE breached security by accessing my information without clearance or my consent.

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 — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The information used for the credit card it wasn't me and I will be like to remove that from my credit history and I will like to report because it's affecting my credit score

Company response to consumer: Closed with explanation
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: PNC Bank N.A.
State: OH

Complaint narrative:
PNC bank decided to close my personal and business account and all my credit cards. I don't have access to my statements for all those account for 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Monday, XX/XX/year>, I went on Cash App to check a previous transaction amount that was sent. After I checked the history, I noticed that XXXX {$100.00} payments were transferred from my account. One I recognized. The other I did not. They both had the same description and one was sent to a person that I was no longer speaking to and who I dont need to have my money. Both transactions were transferred on Friday, XX/XX/year>. The transaction was to $ XXXX. I did not send this money to this person. I kmow who this person is. But something went wrong with this app, because I didn't make this transaction. I remember Friday, there was a glitch when I sent {$100.00} to another recipient. The transfer would not go through and there was an error message. I tried twice. And then I restarted my phone and tried again and it worked. What I didn't realize or know or seem to get any confirmation about was that another person received {$100.00} too. That was the $ XXXX account. I never typed that person 's name in, so why did they get my money? I am very angry because CashApp has sent my money to someone that I didn't want having my money and now I can't get my money back. They had me put in a dispute. I asked for the refund but there is no choice for my situation. So I called and told Cash App they need to return my money. They arr telling me I am going to have tonwait XXXX business days. No they need to give me back my money. I don't feel safe now with my money there. If I hadn't checked for that previous transaction I wouldn't have even known. I need my money back. And I hate how Cash App refuses to get your money back from scammers or people who are not supposed to have it. They make you ask for a refund like these people are going to give that money back. Cash App needs to fix their system. It's not trustworthy and they erased the history of me speaking to them about this. I am beyond angry and shouldn't have to wait for my money back. I never sent this money and I don't want them sending my money to people and not even giving me a confirmation before sending anything, for one, but to just automatically send my money to someone is the worst. I have already had to deal with Cash App not helping me get my money from people who didn't complete work but this is just on another level to just send somebody my money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion rental screening Solutions Inc. Is reporting to a third-party company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX And is reporting inaccurate. Improper use of information on me and passing my personal information around to third-party companies without my written consent to report negative items on my reports this would be considered Identity theft.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 



As a consumer ; ( 4 ) a statement by the consumer that the " is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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, not later than 4 business days after

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

Complaint narrative:
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, Nebraska XXXX Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Consumer Financial Protection Agency I am writing to formally request a review of my student loan records in light of potential FERP violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not to information containing highly sensitive personal information about me including Social Security numbers , income data, and an incorrect balance, disbursement error, or fraudulent use of your records in accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping on data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter. If this matter is not resolved, I am prepared to escalate my concerns U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at ( XXXX ) XXXX or XXXX for further discussion.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, Nebraska XXXX Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Consumer Financial Protection Agency I am writing to formally request a review of my student loan records in light of potential FERP violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not to information containing highly sensitive personal information about me including Social Security numbers , income data, and an incorrect balance, disbursement error, or fraudulent use of your records in accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping on data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter. If this matter is not resolved, I am prepared to escalate my concerns U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at ( XXXX ) XXXX or XXXX for further discussion.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Nebraska XXXX Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Consumer Financial Protection Agency I am writing to formally request a review of my student loan records in light of potential FERP violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not to information containing highly sensitive personal information about me including Social Security numbers , income data, and an incorrect balance, disbursement error, or fraudulent use of your records in accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping on data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter. If this matter is not resolved, I am prepared to escalate my concerns U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at ( XXXX ) XXXX or XXXX for further discussion.

Company response to consumer: Closed with explanation