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 — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute and request validation of an item on my credit report. The details are as follows : Account : XXXX, Account Name : XXXX XXXX XXXX Account Address : XXXX XXXX XXXX XXXX XXXX, WI. XXXX. I was a victim of Identity theft this person was renting property and numerous crimes in my name. I was able to receive this pin because I went to the jail while she was in jail in my name. I have been down due to a car accident and just decided to review my credit report and saw all this. The last time I did anything on my credit was when I purchased my home. I lost my sister and best friend within months of each other. I was just starting to be myself again. than I was XXXX XXXX XXXX XXXX XXXX XXXX I just don't know how these people investigated. I was not born in XXXX, and I can prove that. They keep giving me numbers to call for Identity theft, but you can not talk to a representative. very frustrating I do not recognize this debt and request that Experian verify its accuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I request that you provide the following information : 1. Verification of the Debt : Documentation confirming the accuracy of the debt, including the original creditor 's name and the amount owed.

2. Details of the Debt : An itemized statement detailing the debt, including any fees, interest, and the date of the original delinquency. 
If Experian can not verify the accuracy of this debt, I request that it be promptly removed from my credit report. 
Please notify me in writing of the results of your investigation at the address provided above. 
Thank you for your prompt attention to this matter. 
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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute and request validation of an item on my credit report. The details are as follows : Account : XXXX, Account Name : XXXX XXXX XXXX Account Address : XXXX XXXX XXXX XXXX XXXX, WI. XXXX. I was a victim of Identity theft this person was renting property and numerous crimes in my name. I was able to receive this pin because I went to the jail while she was in jail in my name. I have been down due to a car accident and just decided to review my credit report and saw all this. The last time I did anything on my credit was when I purchased my home. I lost my sister and best friend within months of each other. I was just starting to be myself again. than I was XXXX XXXX XXXX XXXX XXXX XXXX I just don't know how these people investigated. I was not born in XXXX, and I can prove that. They keep giving me numbers to call for Identity theft, but you can not talk to a representative. very frustrating I do not recognize this debt and request that Experian verify its accuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I request that you provide the following information : 1. Verification of the Debt : Documentation confirming the accuracy of the debt, including the original creditor 's name and the amount owed.

2. Details of the Debt : An itemized statement detailing the debt, including any fees, interest, and the date of the original delinquency. 
If Experian can not verify the accuracy of this debt, I request that it be promptly removed from my credit report. 
Please notify me in writing of the results of your investigation at the address provided above. 
Thank you for your prompt attention to this matter. 
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 2025-03-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
XXXX TO : My XXXXXXXX at KeyBank With respect to your response letter dated XXXX for CFPB ID # XXXX, please provide for me the time stamp of each event you've listed in the aforementioned letter. I'd like to have this issue fully resolved, once and for all. Please do not send me any snail XXXX mail -- get with the program already.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: UT

Complaint narrative:
I attempted to enroll in the SAVE plan initially. I called in to confirm that I was on the correct plan, and was told to complete an IDR application. I did so, and in doing so, I was unknowingly unenrolled from the SAVE plan for several months while interest accrued. I called in several times during these few months to determine why things werent looking right and was eventually informed that my account had not been on the SAVE plan for nearly 6 months. They refused to forgive the accrued interest, despite the misinformation that I received from their agent. My account has been intermittently taken in and out of forebearance, leaving me chronically stressed about whether my payments are due, and at what amount. My data has now been accessed by unauthorized users. I am so frustrated and exhausted with this process. Ideally, I would like the remainder of my balance dismissed. My account has been severely mismanaged and I do not agree with the amount claimed due. If the full balance is not dismissed, I would like the hundreds of dollars of interest that I improperly paid to be refunded to me, or alternatively, deducted from my remaining balance.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on a few an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have filed a dispute directly with the bureaus and they ignored my attempt to rectify the matter and updated the account instead. I have never been late on XXXX XXXX account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I kindly request these payments be promptly updated to reflect their true status as on-time and never late.

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 — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Claimed I had a XXXX XXXX XXXX judgment that I could find no evidence of. Not in my credit report nor in the courts

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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Nelnet, Inc.
State: WI

Complaint narrative:
I am writing to formally submit a complaint regarding a breach of my privacy rights and the unauthorized access of my personal data, which I believe has occurred due to actions taken by XXXX XXXX in connection with the Department of Education. This situation has caused significant concern regarding the security of my personal financial information and its potential misuse. 

I have reason to believe that XXXX XXXX has accessed private data, including information related to my federal student loans, without my consent. This breach of privacy has raised serious concerns about how my personal information is being handled and protected by the Department of Education. I am deeply concerned that this unauthorized access may have led to the exposure or improper use of my sensitive financial data.

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: KY

Complaint narrative:
1. XXXX XXXX XXXX Collections Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
2. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
3.XXXX XXXXXXXX XXXX Account XXXX XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 4. XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 5. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account In accordance with the law mentioned above, I request that you provide all documents with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personnel you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected.

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: KY

Complaint narrative:
1. XXXX XXXX XXXX Collections Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
2. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
3.XXXX XXXXXXXX XXXX Account XXXX XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 4. XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 5. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account In accordance with the law mentioned above, I request that you provide all documents with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personnel you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected.

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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am formally disputing the unauthorized access and deletion of my 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.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n,
which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was made aware that i was a victim of identity theft last month. I quickly found out that i had to file a police report and a fraud affidavit t o have the fraudulent accounts blocked within 4 days.

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: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I would like to have my student loans to be discharge. XXXX XXXX is not an elected officially and he has unlawfully accessed my personal information via the Dept of education. I would appreciate your assistance with this. Thanks!

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: 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 XXXX 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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