vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
I am filing a complaint regarding the security and handling of sensitive student loan borrower data. Recent whistleblower reports ( The Guardian, XX/XX/year> ; XXXX, XX/XX/year> ) indicate that the Department of Government Efficiency ( XXXX  ) uploaded Social Security Administration data, which includes student loan borrower Social Security numbers, into an unregulated cloud environment.

This practice has placed millions of Americans, including student loan borrowers like myself, at risk of identity theft, fraud, and financial harm. Since Social Security numbers are critical identifiers tied directly to federal student loan accounts, the exposure of this information creates a direct threat to loan servicing integrity and borrower protection. 

As a student loan borrower, I am deeply concerned about : XXXX. The potential exposure of my own personal data ( including my Social Security number ) without my knowledge or consent. 
XXXX. The lack of transparency and borrower notification regarding this breach of data security. 
XXXX. The risk of financial and credit damage, as identity theft could directly impact my ability to manage and repay student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXXXXXX Subject : Cease and Desist / Removal of Unauthorized Credit Inquiry To Whom It XXXX Concern, I am writing to formally dispute and demand the removal of a XXXX  credit inquiry made by XXXX  XXXX  that appears on my credit report. I have never applied for credit with your company, nor have I authorized XXXX XXXX to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX, a company must have permissible purpose and my written authorization before accessing my credit report. Since no such authorization exists, this inquiry is unauthorized and must be removed immediately. 

Accordingly, I demand that XXXX XXXX : Provide proof of written authorization and permissible purpose for this inquiry ; or Remove the inquiry from my credit file with all XXXX  credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 

If this matter is not resolved within XXXX  days of receipt of this letter, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please provide written confirmation of the removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX Code XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX - XXXX ] Account XXXX : [ ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, I entered into a lease agreement for an electric vehicle with a dealership located in XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ). According to IRS guidelines and the federal XXXX incentive program, the {$7500.00} tax credit XXXX be claimed by the financial institution backing the lease and, in many cases, passed on to the consumer as an incentive. 

In my case : The dealer did not apply the credit as a discount on the down payment or monthly payments. 
When I requested an explanation, I was told that I should claim the credit on my tax return, which is incorrect under IRS rules for leased vehicles. 
I contacted GM Financial, the institution financing the lease, and they confirmed that they do not see the tax credit reflected in my contract. 
I believe this situation represents a lack of transparency and potentially a deceptive practice, as the federal incentive is a key factor in the decision to lease an electric vehicle. 

I respectfully request that the CFPB investigate whether the dealer or the financial institution claimed the tax credit and why it was not passed on to me as part of the lease agreement. I also seek guidance on how to recover the benefit or correct this issue. 

I am prepared to provide a copy of the lease agreement and any other relevant documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX Code XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 non-monetary relief
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-27 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as shown on my XXXX/Experian/TransUnion credit reports . 

Account in Question : Creditor : XXXX XXXX Account Type : Credit Card/Line of Credit Credit Limit : {$1000.00} Date Opened : XX/XX/year> Current Balance : {$0.00} Reported Status : Closed account Dispute Details : Although this account is closed with a {$0.00} balance, XXXX XXXX continues to report late payments and an inaccurate payment history percentage of only 37 % on time. Reporting derogatory history on a closed, {$0.00} balance account is misleading, incomplete, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of information ( XXXX XXXX ) may not report information they know or should know is inaccurate. 
FCRA 611 : Provides me the right to dispute inaccurate information and requires reinvestigation within 30 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union withdrawn a total amount of XXXX from my everyday checking account and on XX/XX/XXXX they withdrawn XXXX from my joint. Everytime I call about the issue they giving me the run around about lien and garnishment department and the legal department. And everybody keeps saying sorry is nothing they can do cause its something to do with a Confidential Directive .I am beyond frustrated and need some guidance into rectifying this serious matter and crazy situation I have with. Can I please hear back from yall asap. Thank You And Have A Blessed Day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XXXX XXXX taxes for XXXX XXXX XXXX XXXX, XXXX NY XXXX & XXXX XXXX XXXX XXXX, XXXX NY XXXX were unpaid for 2+ years. Both properties were about to be foreclosed on. I had reached out to SPS multiple times for them to pay the delinquent taxes + fees. SPS never ended up paying the taxes so I paid them. The following is the breakdown of what I had paid that SPS was suppose to pay. XXXX XXXX XXXX XXXX : {$51.00} ( 2023 school tax relevy + XXXX county tax ) + {$2.00} ( interest ) + {$0.00} ( penalty ) + {$1.00} ( convenience fee ) = {$55.00} XXXX XXXX XXXX XXXX : {$2300.00} ( 2023 school tax relevy + XXXX county tax ) + {$360.00} ( interest ) + {$120.00} ( penalty ) + {$0.00} ( convenience fee ) = {$2800.00} I have attached the break down of the payments in the form of tax receipts directly from the county treasurers office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately. 


XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
On the company website I disputed the debt and requested verification, information and itemization of said debt owed, along with no further contact after said information was provided on XXXX XXXX XX/XX/XXXX https : //diversifiedadjustment.com/consumer-tools/dispute-my-account/ Diversified adjustment service inc has not provided me with such information, and did not halt collection attempts in the meantime I was texted today XX/XX/XXXX again in an attempt to collect said debt Along with being harassed multiple times a day with multiple phone calls, text messages and emails

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear Midland Credit Management, I am writing to formally dispute the alleged debt associated with the account number that you claim is mine. I previously requested validation of this debt, but the information you provided does not suffice as proper validation under 15 USC 1692g ( a ). You have not provided adequate proof that this debt is tied to me, and you have failed to meet your obligation to validate and accurately report this information.

Furthermore, the information you are reporting regarding this account is severely inaccurate and conflicting across all three credit reporting agencies. It is your legal responsibilitynot mineto ensure that all information reported is accurate, verifiable, and consistent. I can not and will not validate this information for you.

To clarify, this alleged debt should not be reported at all unless it is properly validated. Therefore, I demand the following : Proof that your company retains ownership rights to this account, including documentation how and when the debt was acquired through a transfer of ownership or assignment.

A detailed explanation for the discrepancies in how this debt is reported across the three major credit reporting agencies.

A complete and itemized breakdown of the debt, including the original balance, any interest, fees, payments, and credits, as well as the current balance.

A copy of any assignment or transfer agreement from the original creditor to your company, including my name and original account number.

Documentation detailing how you verified and validated the alleged debt, including the method and the supporting records.

Your previous response did not verify nor did it validate this debt! This is not my account! I am a victim of Data Breach and Identity Theft, block and delete this account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2 THIS ACCOUNT NEEDS TO BE REMOVED ASAP, IT IS NOT MINE!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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