vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-13 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:
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 2025-03-13 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-13 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WV

Complaint narrative:
XXXX XXXX - Had access to my information without permission and I want this loan removed due to DOGE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MOHELA
State: OK

Complaint narrative:
I applied for Temporary Expanded Public Student Loan Forgiveness, which required submitting applications to verify employment so that qualifying payments and periods could be calculated. The payment counts were incorrectly calculated for one employer, resulting in me having 126 qualifying payments rather than 180+ qualifying payments. Right after the payment counts were updated into Mohela or the XXXX systems, my loans were forgiven based on the 126 payments ( 120 payments are needed for forgiveness ), rather than the 180+ payment number -- the rules of the program stated that any payments that had been made in excess of the 120 required payments would be refunded. There was also a provision or rule that stated that for a period during Covid, a borrower could make {$0.00} payments and those specific months would still be calculated as a qualifying payment. We, numerous times, called, filed online complaints, asked for payment recounts following the processes stipulated by the service, involved the ombudsman group, in an effort to get our payment counts corrected and get a refund of the excess payments. This was over the course of at least two years, with no resolution or responses from Mohela or XXXX. We then requested a refund of the payments made during the Covid pause, which we did receive finally. We are still owed for at least 30 monthly payments of approx. {$500.00} each, but can not get anyone to assist. If we could get someone to pull up the two application that was processed to determine payment counts and talk to us, I believe they would easily see that the information was input into their system incorrectly, but we can not get anyone to do that. Now that the loan was " forgiven '', it is like it vanished from their systems and they can not go back. It appears that Mohela is purposely processing XXXX applications incorrectly - they try to get the payment counts just over the 120 threshold to give you forgiveness, but they do not process the counts correctly if it results in the borrower getting a refund of overpayments. Again, if I could get someone with authority on the phone and have them pull up the XXXX application, I could easily explain what they entered incorrectly, but we get told " someone will contact you within 15 days '' and that never happens. At this point, we have exhausted all options of getting anyone to correct this error, but are owed substantial amounts back to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MT

Complaint narrative:
Used Moneygram to send {$1800.00} to my landlord on XX/XX/year>. I was charged XXXX for the transfer. The transaction total was XXXX. Received confirmation of transaction from Moneygram that the money was deposited in the account at XXXX XXXX XXXX in Montana I sent it to on XX/XX/year>. Received notice from my landlord on XX/XX/year> that money was never deposited into their account. Contacted Moneygram immediately via phone call to their customer service line. Employee on phone stated that the transaction had been completed. I opened an investigation with Moneygram.They sent me an email on XX/XX/year> stating that they verified with the credit union money had been received. My landlord stated that money had never been deposited, and verified with her credit union that they had never received a deposit. I called customer service again and asked to speak with a supervisor. The person I spoke to refused to verify any information about the account I sent to, and refused to provide me with a verification code from the credit union I sent to that stated they received the money. Filed a complaint and had moneygram open a deeper investigation on XX/XX/year>. Received another email from Moneygram on XX/XX/year> stating that there was no update on investigation, and they would get back to me in 90 business days. I responded that email and have yet to hear back with an update or a resolve. I have sent every rent payment Ive made in the last 2 1/2 years through Moneygram to the same account this transaction was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, i sent my FTC report, my State license to Trans Union, Equifax, & Experian, to report fraudulent accounts on my Consumer report.

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 2025-03-13 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: OH

Complaint narrative:
I am writing to file a formal complaint on the Department of Education for allowing a private citizen to gain access to my private student loan data. Several national news outlets reported that XXXX XXXX and his XXXX team, who are also private citizens, accessed the student loan data of millions Americans. News outlets first reported this on XX/XX/year>. My privacy was violated and my personal information is in the hands of a mad man.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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.
State: CT

Complaint narrative:
ACCOUNTS as of XX/XX/XXXX THAT NEED TO BE REMOVED FROM MY CREDIT REPORT HARD INQUIRIES MUST BE DELETED PER 15 USC 1681 PERMISSABLE PURPOSES ALL THESE ITEMS MUST BE DELETED! XXXX FCU-ALEXNADER/EQUIFAX- PLEASE DELETE CCF INTERMEDIATE HOLDING/EQUIFAX-PLEASE DELETE LIBERTY IMPO/TRANSUNION-PLEASE DELETE MRV/VERV-REV/TRANSUNION-PLEASE DELETE FIRST PREMIE/TRANSUNION-PLEASE DELETE CAPITAL ONE/TRANSUNION-PLEASE DELETE ( 2X ) TBOM/MILESTO/TRANSUNION-PLEASE DELETE XXXX DELETE XXXX XXXXTRANSUNION-PLEASE DELETE XXXX XXXXXXXX DELETE XXXXTRANSUNION-PLEASE DELETE XXXX/TRANSUNION-PLEASE DELETE " CHARGE OFF '' INCOME WILL NOT BE REPORTED. THE INTERNAL REVENUE SERVICE STATES UNDER PUBLICATION 431 IF THE CANCELED DEBT IS CANCELED, FORGIVEN, OR DISCHARGED IT IS TAXABLE WHICH MAKES IT INCOME. 1. XXXX XXXX- PLEASE DELETE 2 . XXXXTRANSUNIONXXXX PLEASE DELETE 3 XXXX XXXX XXXX XXXX PLEASE DELETE ( ALREADY OFF MY XXXX REPORT. ) 4. XXXX XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY EXPERIAN ACCOUNT ) 5. XXXX TRANSUNION/XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 6.XXXXTRANSUNION/XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 7. CREDIT COLLECTIONS/TRANSUNION/XXXX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 8 XXXX XXXX XXXXTRANSUNIONXXXX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 9. GET IT NOW/TRANSUNION/XXXXPLEASE DELETE XXXX ALREADY XXXX FROM MY XXXX REPORT ) 10. CHECKNGO/AXF/TRANSUNION/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) ALL CHARGE OFFS NEED TO BE REMOVED AS THEY ARE CONSIDERED TO BE INCOME WHICH IS A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 5 usc 522 ( a ) an individual 's name and address " may not '' be sold or rented by an agency unless such action is " AUTHORIZED BY LAW '' 5 USC 552 ( A ) KEEPING ACCURATE ACCOUNTING 15 usc 1681 ( B ) REPORTING inaccurate information is unlawful 15USC 1681-permissable purposes. i never gave permission 15 USC 1681 ( 4 ) THIS LAW STATES THAT I THE CONSUMER HAVE A RIGHT TO MY PRIVACY. SO IF I FEEL LIKE REPORTING LATE PAYMENTS IS A VIOLATIONS OF MY PRIVACY YOU MUST RESPECT THAT AND REMOVE IT FROM MY REPORT THE PRIVACY ACT OF 1974 IM ENTITLED TO MY OWN PRIVACY. THE EDUCATIONAL AND PRIVACY ACT THAT STATES " THEY WILL NOT REPORT MY TRANSACTION HISTORY TO 3RD PARTY AFFILIATES

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-13 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: TX

Complaint narrative:
Beginning on XXXX XXXX I am filing this complaint against the U.S. Department of Education for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ). The Departments improper handling of my educational records has caused financial harm, including issues with my student loans. Due to this violation, I am seeking loan forgiveness as a corrective measure. Beginning after XX/XX/year>, an unelected official gained access to my student loan information which contains personal information ( ie social security number, birthdate, etc. ) which can be used to create false accounts without my knowledge or consent. After being the victim of such crimes and abuse in the past, this has left me feeling worried about my financial security and have had to place credit freezes on credit reports and other measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I am formally filing a complaint against XXXX XXXX and the credit reporting agencies for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite submitting XXXX disputes since XX/XX/XXXX, with the most recent in XX/XX/XXXX, the inaccurate and obsolete account remains on my credit report, severely damaging my credit score. 

This account was paid off in XXXX, yet it continues to appear on my credit report with inaccurate and misleading information. Under 15 U.S. Code 1681s-2, creditors are required to provide accurate and complete information. By reporting incorrect details, they are in direct violation of federal law.

Additionally, under 15 U.S. Code 1681i, the credit bureaus had 30 days to conduct a reasonable investigation and either correct or remove the inaccurate data. They have failed to do so. I demand immediate removal of this account for the following reasons : Failure to Verify Accuracy The creditor has been unable to provide verifiable documentation proving the legitimacy of the reported information. 
Re-Aging of Debt ( FCRA Violation ) If the delinquency date has been altered to keep this account on my report past the allowed XXXX reporting period, this is a serious violation. 
Failure to Correct Errors Despite multiple disputes, this account remains, demonstrating noncompliance with 15 U.S.C. 1681i ( a ) ( 5 ).

Ongoing Credit Damage This account is directly harming my financial stability, and its continued reporting is causing unjust hardship. 
I demand the IMMEDIATE REMOVAL of this account from ALL credit reporting agencies ( XXXX, XXXX, and XXXX ) under my rights granted by the FCRA.

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 2025-03-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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