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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
his CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXXXXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, and a loan account with Texas XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a vehicle from XXXX/Bridgecrest back in XXXX of XXXX  and I had the payment set up bi-weekly because I was getting paid that way, so I was paying my payment on time with no problem. So in XX/XX/2021, I became very ill and had to have a liver transplant and was hospitalized for XXXX  months which my bills begin to fall behind, my family did as much as they could to help me keep my bills paid until it was too unbearable for them to do so. After I was finally released from hospital and went home and I gave Bridgecrest a call and let them knew what was going on and I asked if I could change my payments to monthly and they agreed if I paid my payments up that they would, but it never happened which left me in a bind yet again. So I was still on the bi-weekly contract which is why I got behind yet again, so I was paying but it was like I was just paying interest on the vehicle which means the payments werent going anywhere so I got tired of paying just interest and decided to let them come get the vehicle, but they came and got the vehicle sold it but wants me back pay {$15000.00} dollars for a vehicle that they have sold and I also have a repossession on my credit report.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me securing housing for me and my XXXX children. I am trying to move forward with my life.

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: Nelnet, Inc.
State: NE

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX 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
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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 properly investigate, accepting unreliable responses, failing to forward consumer provided evidence to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with my personal experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

ACCOUNTS REQUESTING IMMEDIATE REMOVAL : XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX : ACCT # 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 2025-03-15 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: MI

Complaint narrative:
I am filing a complaint regarding the unauthorized access of my personal records. I believe that XXXX XXXX and XXXX, by order of the President of the United States, illegally accessed my private information without my consent. 

This unauthorized access is a violation of my privacy, and I am deeply concerned about the potential misuse of my personal data. I request an immediate investigation into this matter and appropriate action to ensure my information remains secure. 

Sincerely, XXXX XXXX XXXX XXXX

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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
My student loan data and private information was illegally accessed by XXXX XXXX and DOGE employees, which violates FERPA laws and the contract that I signed stating my information was safe and secure. This was done without my consent and without proper government clearance. I do not know what my private, personal data, which should have been protected, will be used for, or who was allowed to access it and then, subsequently, share it. I also do not know if changes were made to my loan information. Again, this was illegal and I did not consent to any of of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: DISCOVER BANK
State: GA

Complaint narrative:
I had fraudulent charges on my checking account that I had through Discover. I filed a dispute. The bank denied my claim. 
XXXX. XXXX XXXX XX/XX/year> XXXX XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX I immediately reported these as fraudulent and Discover denied my claim. I closed my account and refuse to pay for something I am not responsible for.

Company response to consumer: Closed with monetary relief
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: CA

Complaint narrative:
I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me from securing stable housing as I am a single mother of XXXX. I just want to progress and move forward with my life.

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: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
XXXX XXXX and XXXX have illegally and against the terms of my student loans, had access to the data of my loan and account. They have broken the terms of my student loan and as such I'm asking for the loans to be dismissed.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XXXX XXXX and XXXX have unlawfully viewed my private student loan information. This is breach of agreement.

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: Servicer under contract with Federal Student Aid
State: WV

Complaint narrative:
My data was opened, viewed, and/or downloaded without my consent by XXXXXXXX XXXX  and XXXX. This breaks the contract of my student federal loans.

Company response to consumer: Untimely response
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 information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Asked for Transunion, Experian, Equifax to provide me with the information sent in the last letter and they did not give me all the proper info I requested.

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

Complaint narrative:
Asked for Transunion, Experian, Equifax to provide me with the information sent in the last letter and they did not give me all the proper info I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a continuing unsolved problem with Capital One. This is also a continuing unsolved problem with the Consumer Financial Protection Bureau ( CFPB ) closing out a complaint prior to being totally resolved by Capital One. The route problem still exists : Capital One says it is going to close my account, NOT paying my Rewards Cash of {$830.00}, because they want me to prove that I am an authorized user with government IDs. The XXXX account is all up to date, with ZERO balance. I have provided them with XXXX Card numbers, Social Security numbers, Birth Date, Phone and Address. Payment information and proof of Capital One website user name and password. They still want to have scanned copies of government IDs. This is totally over the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
The problem I am having is that per the loan .contract, no one was allowed to see my personal information.except the US government with clearance or my lone handlers. XXXX XXXX and DOGE has accessed my personal data without permission, legal consent, or clearance. Because this is direct violation to my contract with the US government, the government is under obligation to terminate my loans. The current administration is breaking the law by allowing XXXX XXXX and DOGE to access my data.

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: EQUIFAX, INC.
State: VI

Complaint narrative:
Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: TN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, TN XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX ] [ Student Loan Servicer ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear [ XXXXXXXX XXXX ], I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( XXXX XXXX. XXXX ; XXXX XXXX  Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

XXXX XXXX XXXX  I am formally requesting the following actions : XXXX. Immediate Investigation XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. Future Compliance Assurance XXXX formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within XXXX days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX  Department of Educations XXXX XXXX XXXX XXXX ( XXXX ) and explore legal remedies. 

Please contact me at [ XXXX ] or [ XXXX ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, [ XXXX XXXX XXXX ] [ Student Loan Account Number ( 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
Information has been attached of all transactions I did not make. They barely investigated. All these transactions are being being OUT OF STATE. 

Current closed my dispute before asking me for additional information. Current is asking now for additional information to APPEAL the claim which I do not have! They want me to contact the merchants or upload hospital records????

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: IN

Complaint narrative:
Under XXXX XXXX. XXXX ( a ), individuals or entities who have been harmed by violations of antitrust laws, including unfair or deceptive trade practices, may file a civil action to seek appropriate legal remedies. This statute allows consumers or businesses that are affected by anticompetitive practices or other unlawful conduct to pursue damages in the form of compensatory awards, as well as potential injunctive relief to stop further violations. In cases of serious violations, the law also allows for the award of triple damages as a deterrent against continued violations. 

Given the nature of the complaint, I believe the actions I have experienced may involve violations of the above-mentioned antitrust provisions, and I am seeking investigation and appropriate action from the CFPB to remedy the harm caused.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
Under XXXX XXXX. XXXX ( a ), individuals or entities who have been harmed by violations of antitrust laws, including unfair or deceptive trade practices, may file a civil action to seek appropriate legal remedies. This statute allows consumers or businesses that are affected by anticompetitive practices or other unlawful conduct to pursue damages in the form of compensatory awards, as well as potential injunctive relief to stop further violations. In cases of serious violations, the law also allows for the award of triple damages as a deterrent against continued violations. 

Given the nature of the complaint, I believe the actions I have experienced may involve violations of the above-mentioned antitrust provisions, and I am seeking investigation and appropriate action from the CFPB to remedy the harm caused.

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$27.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance {$43.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX P XXXX XXXX C U 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: 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: FL

Complaint narrative:
A relaitve of mine recently went to apply for a car. This individual listed me as the co borrower without my consent. I filed a police report on this matter but have yet to see these excessive inquiries removed from my credit report. i have listed these inquires below 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion )

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
A relaitve of mine recently went to apply for a car. This individual listed me as the co borrower without my consent. I filed a police report on this matter but have yet to see these excessive inquiries removed from my credit report. i have listed these inquires below 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion )

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