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

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) [ CFPB Mailing Address or Online Submission ] Subject : Request to Block Fraudulent Information and Remove Reinsertion of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts that have been reinserted into my credit report without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The following accounts were previously removed due to identity theft and must not have been reinserted without the required legal process : Fraudulent Account Information : Creditor : XXXX XXXX  Account Number : XXXX Additionally, I have reason to believe my Social Security number ( SSN ) and personal information have been used fraudulently, resulting in multiple unauthorized accounts and inquiries on my credit report. 

Violations of Consumer Protection Laws These actions constitute clear violations of multiple federal regulations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide written notice before reinserting disputed information.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Despite multiple requests, my personal information has not been updated, exposing me to ongoing identity theft. Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, which violates my consumer rights.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ) CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I spoke to the debt collection company Harris & Harris LTD. I was transferred twice all resulting in them both hanging up in my face. When I spoke to a representative the XXXX time she said they had no record of any debt from me and put me on hold for an hour. I then called the number again which the same person answered and I informed her I am still on the other line and we went through the process again of them saying they dont show in my system I owe them anything. That they wont be able to help remove it or send anything out clarifying I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX account was acquired by Wells Fargo and they do not have a record of my account.

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: Central Research Inc
State: CO

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. XXXX XXXX XXXX XXXX XXXX ( XXXX  ) violated Higher Education laws, the Privacy Act of 1974, and the Family Education Rights and Privacy Information Act ( FERPA ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan Servicers. One or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Due to the data breach incurred by unelected private XXXX  XXXX XXXX and his team at DOGE, my private information has been accessed without clearance or my personal consent, thereby making the original contract null and void and these loans should be discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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: WV

Complaint narrative:
XXXX XXXX and his team at DOGE have illegally gained access to my personal data. these actions violate FERPA and thereby nullifies the contract I signed when applying for the loans. because of these actions, my student loans totalling over XXXX should be cancelled.

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 2025-03-15 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: FL

Complaint narrative:
XX/XX/2025. The department of government efficiency looked into my personal information and loans through Ed finacial, which I did not approve. The people running this didn't get approval from me for the school debit, personal income, name or social security information. There are laws that are set to avoid my personal data being leaked.

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 — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Assistance from Ally Financial my credit reports related to a loan with Ally Financial Auto, as well as the inadequate assistance I have received from them in resolving these issues. 

I found the following discrepancies across the XXXX XXXX  credit bureaus : XXXX. XXXX : The loan has been completely removed from my credit report, which accurately reflects the agreement upon final payment. 

XXXX. XXXX : The loan is reporting " 100 % paid '' with a status of " charged off, '' with the last payment recorded as XX/XX/year>. This does not accurately depict my payment history. 

XXXX. XXXX : The loan is reporting " 100 % paid, '' with a payment made after the charge-off recorded as 100 % paid on XX/XX/year>. 

In my attempts to resolve these discrepancies, I have contacted Ally Financial multiple times, requesting a pay-for-deletion or a letter of removal to send to the credit bureaus XXXX & XXXX XXXX Unfortunately, I have encountered significant obstacles. Ally Financial has repeatedly bounced me back and forth between customer service and asset recovery, ultimately leading to disconnected extensions and no resolution. 

Their lack of assistance in this matter is frustrating, and it has hindered my ability to rectify the inaccuracies on my credit report. Given the recent data breaches and the importance of accurate credit reporting, I am deeply concerned about how this situation affects my creditworthiness and financial future. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit report reflects accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MT

Complaint narrative:
People associated with XXXX XXXX and DOGE, who do not have clearance, have been viewing and interacting with my personal student loan data and breaking the contract that is my federal student loans.

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: FL

Complaint narrative:
Date : XX/XX/2025 company : experian credit report/ XXXX XXXX account number XXXX. Company XXXX  inaccurate payment history on credit report XXXX company experian credit report/ XXXX/ XXXX  account number XXXX XXXX Company XXXX  unknown account on credit report and is hurting my credit score. 
XX/XX/2025 company experian credit report/ XXXX XXXX  account number XXXX. Unknown account information on credit report and is hurting credit score. 
XX/XX/2025 company experian credit report/ XXXX XXXX XXXX XXXX account number XXXX. Unknown account information on 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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Before being blocked on XX/XX/year>, XXXX XXXX and the department of governmental efficiency illegally accessed my privately held student loan information, violating the terms of contract in regards to privacy. Neither he nor the the department of governmental efficiency had permission to access my information, breaking the law and the terms of my contract with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> I made a deposit from my chime banking account to Sofi banking account. Apparently XXXX  declined the transaction as there was not XXXX available at the time of said attempted deposit. Unfortunately, so far close the banking account because of the reversal. ( Of which I had no knowledge this would happen ) I received the email telling me they were closing my account immediately, and that {$1400.00} would be put back to my XXXX  XXXX  account. I am being told by XXXX  there is no reversal that has been sent back to the account from Sofi. I cant speak to anyone and it seems as though this company has stolen my money which is very hurtful as I am a single mother and really need that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XX/XX/year> PORTFOLIO RECOVERY ASSOCIATION XXXX, VA XXXX Subject : Cease and Desist Demand Regarding Account XXXX Dear PORTFOLIO RECOVERY ASSOCIATION I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt associated with [ account number, if available ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact regarding this matter.

From this point forward, you are prohibited from contacting me via phone, mail, email, or any other means, except to : 1. Confirm that you will comply with this request, or 2. Notify me of specific legal action you intend to take.

Failure to comply with this request may result in legal action against your agency for violations of the FDCPA. If this debt is not valid, I also reserve the right to dispute its legitimacy under 15 U.S.C. 1692g. 

Please provide written confirmation that you have received this letter and that you will honor my request. 



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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In the wake of XXXX XXXX and XXXX  investigations my credit was illegally viewed, especially my my student loan data. By them viewing my data I request that my student loans be forgiven.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In the wake of XXXX XXXX and XXXX  investigations my credit was illegally viewed, especially my my student loan data. By them viewing my data I request that my student loans be forgiven.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$730.00} XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance {$670.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX BRAG XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVXXXXCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
When signing up for my loan and receiving my loan I was informed that my data would be protected. From media reports my data was accessed by DOGE without my permission or being told this would happen.

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

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Company did not investigate issues and already had account as MEETS FCRA STANDARD before the dispute was even done. Not only has XXXX falsified reports on multiple occasions they have continued to do so on behalf of collectors. THIS ACCOUNT DOES NOT BELONG TO ME. THIS ACCOUNT HAS NEVER BELONGED TO ME. I SIGNED NO CONTRACT WITH Portfolio recovery systems. This account has already been flagged and deleted for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
A collections amount for {$93.00} was put on my credit file from original creditor XXXX and has been provided to Southwest credit Systems. This is the second instance of this being added to my Credit file without any knowledge of any owed account. I reached out to the credit bureaus to dispute this account because I do not owe any account with XXXX XXXX XXXX. It was placed back on my account again today, XX/XX/XXXX. I reached out to the XXXX XXXX XXXX provider and they could not provide any proof of nonpayment on my account. Furthermore, I have emails detailing when I have made a payment and when it has been successful. on XX/XX/XXXX a email confirmed that my transaction for the last payment was successful. On XX/XX/XXXX email confirmed details for deactivation and return of my modem and also explained that I have 45 days to return the modem. It also shows after each payment prior to the last payment that I have made that I have a XXXX dollar balance. On XX/XX/XXXX a email confirmd that I spoke to a representative and asked me to complete a survey about my deactivation of service. There has been no further correspondence between me and the company since then. This account is therefore not valid and should not be on my report. I request a removal of this item from my report immediately as I have done twice before through all major credit bureaus including XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief