vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Subject : Formal Complaint/Dispute and Request for Student Loan Cancellation Due to Data Breach Breach Date : XX/XX/year> Loans Serviced By : [ XXXX XXXX XXXX Department of Education XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX ] Loan Account Number ( s ) : Loan Servicer : XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX {$5900.00} XXXX {$10000.00} Loan Servicer : XXXX XXXX XXXX XXXX Department of Education Account Numbers/Loan Amount XXXX {$4400.00} XXXX {$2400.00} XXXX {$3100.00} XXXX {$8300.00} XXXX {$1100.00} XXXX {$3100.00} XXXX {$25000.00} XXXX {$3100.00} XXXX {$12000.00} XXXX {$8800.00} XXXX {$30000.00} XXXX {$9500.00} XXXX {$28000.00} I am writing to formally dispute the validity of my federal/private student loans held or serviced by [ XXXXXXXX XXXX XXXX XXXXXXXX, Department of Education, XXXX XXXX XXXX and request their immediate cancellation. This dispute is based on a confirmed data breach in XX/XX/year> that exposed my sensitive personal information, including my Social Security Number, financial records, and student loan account details. This breach has placed me at significant risk of identity theft, fraud, and financial harm. 

Key Facts : XXXX. Data Breach Occurrence : On or around XX/XX/year>, [ XXXX XXXX and his Staffers to include, DOGE Department of Government Efficiency and Unofficial Government Office not erected by Congress under the U.S Constitution ] suffered a documented data breach compromising borrowers personally identifiable information ( PII ). I received official notification of this breach on [ XX/XX/year> ] [ or " as reported by the FTC/CFPB/news outlets XXXX, XXXX, XXXX, and XXXX XXXX ( in XXXX, XXXX, XXXX XXXX  ) '' ]. 
2. Impact on Loan Integrity : The exposure of my data undermines the security and legitimacy of my student loan accounts. I have reason to believe this breach could have facilitated : o Fraudulent loan origination or consolidation, o Unauthorized changes to my account, o Identity theft affecting my loan repayment status.

3. Legal Basis for Cancellation : The breach constitutes a failure to protect my sensitive data under : o The Gramm-Leach-Bliley Act ( GLBA ), o Federal Trade Commission ( FTC ) safeguards rules , o CFPB guidelines on data security ( 12 CFR Part 1016 ). 
This negligence warrants cancellation of affected loans as a remedy for the institutions violation of federal privacy protections. 
Requested Actions : 1. Cancel all student loans associated with my account ( [ Account Numbers ] ) due to the servicers failure to safeguard my data.

2. Remove all related negative entries from my credit reports.

3. Investigate the breach and hold the servicer accountable for non-compliance.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-22 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: AL

Complaint narrative:
Subject : Formal Complaint/Dispute and Request for Student Loan Cancellation Due to Data Breach Breach Date : XX/XX/year> Loans Serviced By : [ XXXX XXXX XXXX Department of Education XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX ] Loan Account Number ( s ) : Loan Servicer : XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX {$5900.00} XXXX {$10000.00} Loan Servicer : XXXX XXXX XXXX XXXX Department of Education Account XXXX XXXX XXXX {$4400.00} XXXX {$2400.00} XXXX {$3100.00} XXXX {$8300.00} XXXX {$1100.00} XXXX {$3100.00} XXXX {$25000.00} XXXX {$3100.00} XXXX {$12000.00} XXXX {$8800.00} XXXX {$30000.00} XXXX {$9500.00} XXXX {$28000.00} I am writing to formally dispute the validity of my federal/private student loans held or serviced by [ XXXXXXXX XXXX XXXX XXXX, Department of Education, XXXX XXXX XXXX and request their immediate cancellation. This dispute is based on a confirmed data breach in XX/XX/year> that exposed my sensitive personal information, including my Social Security Number, financial records, and student loan account details. This breach has placed me at significant risk of identity theft, fraud, and financial harm. 

Key Facts : 1. Data Breach Occurrence : On or around XX/XX/year>, [ XXXX XXXX and his Staffers to include, DOGE Department of Government Efficiency and Unofficial Government Office not erected by Congress under the U.S Constitution ] suffered a documented data breach compromising borrowers personally identifiable information ( PII ). I received official notification of this breach on [ XX/XX/year> ] [ or " as reported by the FTC/CFPB/news outlets XXXX, XXXX, XXXX, and XXXX XXXX ( in XXXX, XXXX, XXXX XXXX  ) '' ]. 
2. Impact on Loan Integrity : The exposure of my data undermines the security and legitimacy of my student loan accounts. I have reason to believe this breach could have facilitated : o Fraudulent loan origination or consolidation, o Unauthorized changes to my account, o Identity theft affecting my loan repayment status. 
3. Legal Basis for Cancellation : The breach constitutes a failure to protect my sensitive data under : o The Gramm-Leach-Bliley Act ( GLBA ), o Federal Trade Commission ( FTC ) safeguards rules , o CFPB guidelines on data security ( 12 CFR Part 1016 ). 
This negligence warrants cancellation of affected loans as a remedy for the institutions violation of federal privacy protections. 
Requested Actions : 1. Cancel all student loans associated with my account ( [ Account Numbers ] ) due to the servicers failure to safeguard my data.

2. Remove all related negative entries from my credit reports.

3. Investigate the breach and hold the servicer accountable for non-compliance.

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 2025-06-22 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: AL

Complaint narrative:
Subject : Formal Complaint/Dispute and Request for Student Loan Cancellation Due to Data Breach Breach Date : XX/XX/year> Loans Serviced By : [ XXXX XXXX XXXX Department of Education XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX ] Loan Account Number ( s ) : Loan Servicer : XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX {$5900.00} XXXX {$10000.00} Loan Servicer : XXXX XXXX XXXX XXXX Department of Education Account Numbers/Loan Amount XXXX {$4400.00} XXXX {$2400.00} XXXX {$3100.00} XXXX {$8300.00} XXXX {$1100.00} XXXX {$3100.00} XXXX {$25000.00} XXXX {$3100.00} XXXX {$12000.00} XXXX {$8800.00} XXXX {$30000.00} XXXX {$9500.00} XXXX {$28000.00} I am writing to formally dispute the validity of my federal/private student loans held or serviced by [ XXXXXXXX XXXX XXXX XXXX, Department of Education, XXXX XXXX ] and request their immediate cancellation. This dispute is based on a confirmed data breach in XX/XX/year> that exposed my sensitive personal information, including my Social Security Number, financial records, and student loan account details. This breach has placed me at significant risk of identity theft, fraud, and financial harm.

Key Facts : 1. Data Breach Occurrence : On or around XX/XX/year>, [ XXXX XXXX and his Staffers to include, DOGE Department of Government Efficiency and Unofficial Government Office not erected by Congress under the U.S Constitution ] suffered a documented data breach compromising borrowers personally identifiable information ( PII ). I received official notification of this breach on [ XX/XX/year> ] [ or " as reported by the FTC/CFPB/news outlets XXXX, XXXX, XXXX, and XXXX XXXX ( in XXXX, XXXX, XXXX XXXX  ) '' ]. 
2. Impact on Loan Integrity : The exposure of my data undermines the security and legitimacy of my student loan accounts. I have reason to believe this breach could have facilitated : o Fraudulent loan origination or consolidation, o Unauthorized changes to my account, o Identity theft affecting my loan repayment status.

3. Legal Basis for Cancellation : The breach constitutes a failure to protect my sensitive data under : o The Gramm-Leach-Bliley Act ( GLBA ), o Federal Trade Commission ( FTC ) safeguards rules , o CFPB guidelines on data security ( 12 CFR Part 1016 ). 
This negligence warrants cancellation of affected loans as a remedy for the institutions violation of federal privacy protections. 
Requested Actions : 1. Cancel all student loans associated with my account ( [ Account Numbers ] ) due to the servicers failure to safeguard my data.

2. Remove all related negative entries from my credit reports.

3. Investigate the breach and hold the servicer accountable for non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
Subject : Formal Complaint/Dispute and Request for Student Loan Cancellation Due to Data Breach Breach Date : XX/XX/scrub>XXXX XXXX XXXX Serviced By : [ XXXX XXXX XXXX Department of Education XXXX XXXX, XXXX, and XXXX XXXX XXXX . ] Loan Account Number ( s ) : Loan Servicer : XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX {$5900.00} XXXX {$10000.00} Loan Servicer : XXXX XXXX XXXX XXXX Department of Education Account XXXX XXXX XXXX {$4400.00} XXXX {$2400.00} XXXX {$3100.00} XXXX {$8300.00} XXXX {$1100.00} XXXX {$3100.00} XXXX {$25000.00} XXXX {$3100.00} XXXX {$12000.00} XXXX {$8800.00} XXXX {$30000.00} XXXX {$9500.00} XXXX {$28000.00} I am writing to formally dispute the validity of my federal/private student loans held or serviced by [ XXXXXXXX XXXX XXXX XXXXXXXX, Department of Education, XXXX XXXX ] and request their immediate cancellation. This dispute is based on a confirmed data breach in XX/XX/year> that exposed my sensitive personal information, including my Social Security Number, financial records, and student loan account details. This breach has placed me at significant risk of identity theft, fraud, and financial harm. 

Key Facts : XXXX. Data Breach Occurrence : On or around XX/XX/year>, [ XXXX XXXX and his Staffers to include, DOGE Department of Government Efficiency and Unofficial Government Office not erected by Congress under the U.S Constitution ] suffered a documented data breach compromising borrowers personally identifiable information ( PII ). I received official notification of this breach on [ XX/XX/year> ] [ or " as reported by the FTC/CFPB/news outlets XXXX, XXXX, XXXX, and XXXX XXXX ( in XXXX, XXXX, XXXX XXXX  ) '' ]. 
2. Impact on Loan Integrity : The exposure of my data undermines the security and legitimacy of my student loan accounts. I have reason to believe this breach could have facilitated : o Fraudulent loan origination or consolidation, o Unauthorized changes to my account, o Identity theft affecting my loan repayment status.

3. Legal Basis for Cancellation : The breach constitutes a failure to protect my sensitive data under : o The Gramm-Leach-Bliley Act ( GLBA ), o Federal Trade Commission ( FTC ) safeguards rules , o CFPB guidelines on data security ( 12 CFR Part 1016 ). 
This negligence warrants cancellation of affected loans as a remedy for the institutions violation of federal privacy protections. 
Requested Actions : 1. Cancel all student loans associated with my account ( [ Account Numbers ] ) due to the servicers failure to safeguard my data.

2. Remove all related negative entries from my credit reports.

3. Investigate the breach and hold the servicer accountable for non-compliance.

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 2025-06-22 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXdate filed XX/XX/year> XXXX  XXXX bankruptcy has violated my rights. 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

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 2025-06-22 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: SC

Complaint narrative:
incorrect information reporting on credit report please correct

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 2025-06-22 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: SC

Complaint narrative:
incorrect information reporting on credit report please correct

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 2025-06-22 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: MOHELA
State: FL

Complaint narrative:
Requested Master Promissory Note, Complete Transfer Records after my loan was sold to Mohela without notifying me, while in Deferment under the CARES Act. I also requested Full payment history and did not receive a response. The accounts are currently showing as Late payments on all three credit bureaus despite not giving me the information according to FCRA 611-a-1-A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/year>, I was victim to identify theft. Someone hacked into my personal email and opened a Discover Card using my social security number, etc. They were able to have the card sent to an address in XXXX XXXX. Upon receiving, they made purchases in XXXX XXXX and XXXX XXXX with a total amount of {$930.00}. 

I have attempted to rectify the situation with Discover company multiple occurrences ; however ; their investigatory team has not been helpful. In order to be taken seriously, they instructed me to file a police report. The account itself demonstrates to be fraudulent without warranting any of these additional and unnecessary steps. Now, the account has presented on my credit report as delinquent, and I take pride in maintaining minimal debt and my excellent credit score prior to this headache. Please notify all credit bureau agencies, so I can have this situation fixed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, FL, XXXX EquifaxXXXX XXXX XXXX XXXX, GA XXXX - Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX. XXXX, XXXX, I paid the total balance of the payment due on my account, {$2800.00}. On XX/XX/XXXX, I received an email from the company asking for my payment due XXXX. On XX/XX/XXXX I paid the company {$2000.00}. Please note the change in the email of the date due, ( the payment due date was originally XX/XX/XXXX ) and the balance of the account. The new due date and the change in the amount of the balance on my account confused me. I thought I was about to be late with my payment.The second payment did not need to be paid. I had already payed the total amount due on my account with my first payment, {$2800.00}. I notified the company and found it very difficult to be connected with someone who would be able to refund my unnecessary second payment. When I reached the person who was supposed to help me, I was told the company would hold my funds. When I asked her when my money would be returned to me, she told me " I don't know. She gave me a brief goodby, and hung up. I received a letter dated XX/XX/XXXX, telling me " Unfortunately your payment can't be refunded at this time. We know this isn't the outcome you were hoping for and we're sorry for any inconvenience. '' No explanation at all. I was being treated courteously, while the company was doing nothing to return my money to me. The letter is attached to this complaint. 
I hate to admit that I made the same mistake in XX/XX/year>. I paid the total balance of the payment due on my account, {$2200.00}. On XX/XX/XXXX I again received an email asking for my payment due XX/XX/XXXX. I hurriedly sent the funds on XX/XX/XXXX, {$1100.00}. The situation was the same as the situation described above. I notified the company, and was given even a more difficult time trying to find someone to help me. I finally gave up in despair. The company currently has {$3100.00} of my money. 
My statements for XXXX and XXXX show that the company has applied my funds to those account statements for XX/XX/year> and XX/XX/year> as second payments to my account. Even though I had paid the total balance due each month, they took my money and paid it to reduce my future account balances. They never notified me that this was what they were going to do with my money. They have cost me the interest on this money. They have wasted hours of my time trying to have my money returned to me. They ignored me totally in deciding to pay down my account without consulting me. I have paid my total balance due every month this year, and with XXXX exception ( XXXX, when I was very ill, too ill to write checks ), all of last year, XXXX. Why did they feel it was necessary to pay down my account? Why did they not consult me about my money. I have been a client of this company for over XXXX years. I am so very disappointed in their treatment of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion I have called them twice because they are not reporting a score for me and they are also not reporting correctly. My authorized user account from XXXXXXXX XXXX XXXX XXXX  acct # XXXX. Due to this I can not apply for credit. Also they have some sort of a block on my score as well stopping my credit from being pulled from this and I would like this to be permanently removed.

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 2025-06-22 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: OH

Complaint narrative:
I request to hav certain data in my file erased. The items to be erased r on the atached report. Since I am an identity theft victim, I did not do the listed charges. Please erase these items as soon as posible to rectify my credit report. I wrote to the FTC and complained bout identity theft, and I included copies of their Identity Theft Affidavit. Plse destroy these items in a timely manner.

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 2025-06-22 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: OH

Complaint narrative:
I request to hav certain data in my file erased. The items to be erased r on the atached report. Since I am an identity theft victim, I did not do the listed charges. Please erase these items as soon as posible to rectify my credit report. I wrote to the FTC and complained bout identity theft, and I included copies of their Identity Theft Affidavit. Plse destroy these items in a timely manner.

Company response to consumer: Closed with non-monetary relief