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 — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I believe that XXXX XXXX and the DOGE department have gained access to my personal loan information and my private personal information without asking or seeking my approval. I also believe this is a violation of FERPA and need to have hard copy verification that my information was not accessed without my authorization or permission.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE BLOCKING UPLOADS TO SEND POLICE REPORTS FOR ID THEFT/FRAUD INQUIRIES ON ALL THREE REPORTS

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$7100.00} XXXX  - XXXX - XX/XX/XXXX - {$60.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2300.00}

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

Complaint narrative:
My personal and financial information was compromised without my authorization by the XXXX XXXX and the Doge Administration. The family educational rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of responsibility and safeguard of my 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing in response to your [ letter/call ] dated [ date ] regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide validation of debt.

4. Documentation that proves you are authorized to collect this debt on behalf of the original creditor.

5. Proof that this debt is within the statute of limitations for collection in my state.

Per federal law, collection activities must cease until you provide proper verification of this debt. If you can not validate the debt, please remove it from your records and stop all collection efforts. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if this debt is being reported to any credit bureaus, I request that you provide evidence of its validity or delete it from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had roughly XXXX total transactions fraudulently conducted shortly after returning home from my vacation in the XXXX. This account is purely used for accepting money, I haven't in over XXXX years roughly made a purchase using it. Nor have I ever used the debit card virtually attached to the account only ever my personal cards. These transactions span from XX/XX/XXXX to XX/XX/XXXX. In order : XX/XX/XXXX {$15.00}, XX/XX/XXXX {$16.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$44.00}, XX/XX/XXXX {$12.00}, XX/XX/XXXX {$21.00}, XX/XX/XXXX {$26.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$29.00}, XX/XX/XXXX {$61.00}, XX/XX/XXXX {$28.00}, XX/XX/XXXX {$77.00}, XX/XX/XXXX {$29.00}, XX/XX/XXXX {$24.00}. The last XXXX transactions of {$24.00} and {$29.00} respectively have been refunded to me but to counter these for XXXX separate transactions the original senders of the funds have disputes that I couldn't refund due to the largely massive amount of money. PayPal limited my account so I couldn't pay the balance to refund them and then proceeded to get charged all XXXX disputes plus a {$30.00} dispute fee for both by the time I was able to mail a check to them to pay it off. Totalling and additional {$270.00} on top of the original {$590.00}. I am now currently in a constant limbo of sending them checks and trying to fight the denials and keep the claims open long enough in hopes that a check makes it there before a case closes to avoid the additional fees. When trying to close the account they refuse and state it must stay open until XXXX of 2025 which means for almost XXXX months I will have to fend off the fees, disputes, all while PayPal denies the fraudulent activity on my account. If it was all fraudulent why would they refund me XXXX transactions? They are no different then the rest a transfer out of the US through a service called XXXX. But they claim the last XXXX were unauthorized but the remaining XXXX are normal or authorized activity. I am at my wits end here and really need a proper hand to help cut off this endless cycle of stress, money paid, and fees added.

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: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
XXXX XXXX is not an elected official and has not been confirmed by Congress. He and DOGE do not have clearance or authority to view my personal data without my consent and have violated the contract of my federal student loans. I now am unsure if my balances were tampered with.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX  account XXXX is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion incorrectly reports a 30-day late payment for XX/XX/year>. 
* Equifax reports no payments history at all.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, we asked Acting Director of the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX and Treasury Secretary XXXX XXXX to provide us with information regarding the compliance of billionaire XXXX XXXX and other Department of Government Efficiency ( DOGE ) employees with federal ethics laws as part of their campaign to dismantle the CFPBXXXX Acting Director XXXX and Secretary XXXX failed to respond. Therefore, we write to ask the Office of Government Ethics ( OGE ) to determine whether XXXX XXXX and other XXXX officials have complied with all federal ethics laws, regulations, reporting requirements, and norms in their interactions at the CFPB. 

XXXX XXXX was illegally given access to my student loan information.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
Capital one locked my account in or around XXXXXXXX XXXX XXXX  because of what they say was fraudulent activity. Ive received new cards and, nothing but trouble from customer service. I have not had access to my accounts still, as of today. I asked them to just close my accounts and he asked me to pay a balance for something I cant even see as I am locked out of my accounts. Needless to say, I will not pay for a transaction that someone else completed and received goods for.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
XXXX XXXX  and his DOGE dept has gain access to my personal student loan data and personal private information without my permission and has downloaded it without consent nor any government clearance. I never gave my concent for that to happen by any correspondence. That is in viloation of the student loan contract. I would like this matter to be taken care immediately, this does violate my rights.

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: AL

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 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am submitting this complaint to formally report an unauthorized disclosure of my personally identifiable information ( PII ) and records. 

Pursuant to 34 C.F.R. 99.30, 99.31, 99.32 and 99.33, educational institutions and third parties receiving student records must adhere to strict access and disclosure policies to protect students ' PII. I believe my records were accessed, used, and shared in violation of these provisions. I formally request you mandate the deletion of any improperly disclosed records from any unauthorized repositories, databases, or storage systems that have received or retained my PII as a result of this. 

My personally identifiable information ( PII ), including but not limited to my student loan data, financial aid records, and associated education records. 

The records were disclosed to XXXX XXXX and his associates, who have no lawful right to access my education records. 

Their relationship to the institution is undefined, and their access was not vetted or authorized through any any known legal or procedural mechanisms. This disclosure was made without my knowledge, consent, or a valid legal exception under 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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My federal student loans through dept of ed, serviced by nelnet were inappropriately accessed by XXXX XXXX & DOGE, violating the conditions of my contract. This violates FERPA Policy.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 your payment plan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation