vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX has had unregulated access to my information which is not an authorized user and I never consented to that. Under the contract of student loans, this was a guarantee and bc it has been broken my student loans contract has been violated. The contract should be null and void as the lender has not protected my private information and has allowed unauthorized users to view my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 discovered that my credit report contained incorrect accounts, and I have no explanation for how they appeared. As usual, I checked my report, but this time, I noticed inconsistencies that werent there before. I even tried refreshing the page to see if it was a system glitch, but nothing changed. Due to this concern, I urge you to carefully examine the documents Ive submitted so that I no longer have to deal with this issue.

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 2025-03-14 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: TX

Complaint narrative:
previously filed disputes with [ Experian, Equifax, TransUnion ] regarding inaccurate or unverifiable accounts on my credit report. Despite my disputes, the credit bureaus did not provide any documentation proving these accounts are valid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if an account can not be verified with actual proof, it must be deleted from my report. I am requesting that the CFPB step in and require the credit bureaus to either provide me with verification or remove the disputed items immediately. These inaccuracies are negatively affecting my financial opportunities, and I am seeking a resolution as soon as possible.

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 2025-03-14 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:
I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item removed from my credit file. 

Disputed Account : XXXX. XXXX  Account Number : XXXX Opened : XX/XX/year> Balance : {$510.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of human XXXX  are entitled to have negative credit information resulting from their XXXX  removed from their credit reports. I am formally requesting that TransUnion process the removal of this account in compliance with this law.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX approved for {$10000.00} Capital One XXXX XXXX. 
XXXX XXXX paid credit card down in full, {$5200.00}, bringing account to XXXX  balance. 
-Statement for XXXX XXXX XX/XX/XXXX. Shows new balance of {$2300.00}. Minimum payment due {$130.00} by XX/XX/XXXX, XXXX credit limit still shows {$10000.00}. 
-XXXX  XXXX, XXXX, payment made of {$200.00} online. 
-I notice credit limit is now {$3500.00} online and see " Your credit line was lowered recently, but you may be eligible to get some of it back. Check now '' - i try to " check now '' and the result says, make a payment of {$2400.00} to get an increase of {$200.00} credit line. 
I call Capital one and they say the reason is : " The amount of your recent monthly payments relative to the balance on XXXX or more of your Capital One accounts. 
The credit reporting agency reported XXXX or more recent credit inquiries. 
-The credit reports do not show this. 
-because the line of credit went from {$10000.00} to {$3500.00}, it makes the credit card usage high, therefore lowering my XXXX XXXX XXXX points. 
XXXX XXXX has not provided me with any information other then stated above for reason of lowering line of credit. all payments have been made and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$11000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Closed XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage XXXX  % Balance {$1700.00} Balance updated XX/XX/XXXX Credit limit {$2200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card These lenders have accessed your credit file : XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$11000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Closed XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage XXXX  % Balance {$1700.00} Balance updated XX/XX/XXXX Credit limit {$2200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card These lenders have accessed your credit file : XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/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 2025-03-14 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA
State: SD

Complaint narrative:
Hello, I am making a civil liberties complaint under the Privacy Act of 1974, 5 U.S.C. 552a. It has been brought to my attention that XXXX XXXX and his associates, under the guise of a directive of the Department of Government Efficiency ( DOGE ) ( an IT office in the White House ), have acquired access to Treasury Department XXXX XXXX XXXX XXXX XXXX as defined in the Act. As an individual covered by the Act, I believe that there may be records about me in these Treasury Department systems, and I am concerned for the following reasons:1. XXXX XXXX is not an elected XXXX. Even if XXXX were an elected official, the XXXX XXXX XXXX XXXX ( SORNs ) governing the Treasury Department Privacy Act systems do not allow for disclosure to XXXX and his associates per the Routine Uses.3. Disclosure of personally identifiable information ( PII ) and sensitive personally identifiable information ( SPII ) to XXXX and his associates would be an unauthorized disclosure and therefore breach of information. The Treasury Department must ( 1 ) quickly investigate what Privacy Act records that XXXX and his associates have unlawfully accessed, ( 2 ) reveal to the public what unauthorized disclosures were made, ( 3 ) stop further access, ( 4 ) force any files acquired by XXXX and his associates to be returned and/or permanently destroyed, and ( XXXX ) seek criminal penalties against Musk and his associates for violations of the Act. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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


Account Name : XXXX XXXX # XXXX - Date Opened - XX/XX/year> 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX and DOGE, that DO NOT have clearance, have done something extremely illegal by gaining access to and viewing my personal information. This was without my consent, without government consent or clearance. This directly breaks the contracts that have been put into place to keep our information safe. The law is still the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I purchased my property in XXXX of XXXX using an FHA loan. My escrow account was funded. I closed with XXXX. XXXX sold my loan to XXXX Mortgage and I made my first payment in XXXX of XXXX. My entire escrow balance was correct, my insurance was correct. There were no issues. After my first payment I received a letter stating that Village Capital & Investment LLC purchase my loan and that starting in XX/XX/XXXX, my mortgage payments were to be made to them. I paid my normal mortgage amount to Village Capital in XX/XX/XXXX and XX/XX/XXXX with no issue. In XXXX, I received a letter from Village Capital that effective XX/XX/XXXX, my monthly payment increased from {$2800.00} to {$3500.00}. An increase of {$710.00} per month. This was due to my escrow account being underfunded and them having to purchase an insurance policy for me despite having insurance already on the property with no gaps and a fully funded escrow account. When freedom mortgage sent over my loan, my escrow funds disappeared and Village Capital can not reconcile or locate the funds. In order to pay my property taxes and my insurance, they automatically gave me an escrow advance and then increased my monthly payment which I was then notified about via the letter that was sent. I have confirmed with freedom mortgage that the escrow funds were released to Village Capital, not to me. 

XXXXXXXX XXXX has confirmed that {$8500.00} was transferred over from my escrow account and that {$8900.00} of my buy down subsidy was transferred over. Village Capital has my buy down subsidy but states that only received {$2100.00} in escrow funds which prompted them to give me an escrow advance so that my taxes and mortgage insurance could be paid. 

Nobody can locate the funds missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This complain is a follow-up to the complaint XXXX I submitted via CFBP. Today, I received a response from PNC 's XXXX XXXX XXXX XXXXXXXX XXXX, whose identity I will not disclose for privacy reasons. 

Specifically, the bank agent contacted me directly via unsecured channels despite my complaint being filed through the CFPB, which raises concerns about my privacy and the integrity of the process. 

I believe this email I received outside of CFBP channel is a violation of the procedural flow. 

By bypassing the CFPB and directly contacting me, PNC bank seems to sidestep CFPB official process, which could lead to issues of accountability or transparency. 

I would like this issue escalated for further review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AL

Complaint narrative:
I recently started making payments on my student loans. I checked the balance a little before XX/XX/XXXX and saw the total was XXXX. I checked again after receiving a letter from them about my loans going into forbearance and would accrue no interest until my pay date. That's when I saw that the balance increased to XXXX ( XX/XX/XXXX ). Today on XX/XX/XXXX, this morning my balance was XXXX. Now in the afternoon, the balance has grown to XXXX. I have to wait for XXXX hours for a call, I have to work and clearly can't be on the call that long. I've also reported this issue to studentaid.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$16000.00} INQUIRIES : 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
I am writing to dispute a troubling issue regarding a loan reported to be under my name by MOHELA. My credit score has taken a significant impact by them reporting that I have missed payments on this loan, however, I have not received any communication from MOHELA that confirms my loan with them or been provided instructions for setting up a payment plan.

I have attempted multiple times to access information about my account, including attempting to log in to their online portal with my Social Security Number. However, I am consistently met with the message that no account is found associated with my SSN.

Furthermore, I have made numerous attempts to contact their customer service via phone but have been placed on hold for extended periods of time, often for over three hours, without resolution. I have not received any mail from their office outlining my loan details or payment setup, and I am uncertain whether this loan is legitimate or if there has been an error regarding its association with my name.

Company response to consumer: Closed with explanation