vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX  do not have clearance to view personal data/student loan data which breaks the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VI

Complaint narrative:
The Illegality of XXXX XXXX  Accessing Student Loan and Personal Identifiable Information ( PII ) Under U.S. federal law, individuals ' student loan data and personally identifiable information ( PII ) are protected under several statutes, including : The Gramm-Leach-Bliley Act ( GLBA ) Requires financial institutions to implement safeguards to protect consumers private financial information. Unauthorized access, disclosure, or misuse of this data is a violation of federal law.

The Fair Credit Reporting Act ( FCRA ) Regulates how consumer financial data is collected, shared, and used. Unauthorized access to credit history or student loan data without consent is illegal.

The Family Educational Rights and Privacy Act ( FERPA ) Protects student education records, including financial aid and student loan details. Only authorized parties with explicit consent can access this data. 

The Privacy Act of 1974 Prohibits federal agencies from disclosing personal records without an individuals consent, unless legally authorized. If a company controlled by XXXX XXXX, such as XXXX or XXXX, were to improperly access student loan or financial data, it could result in significant legal consequences. 

The Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces laws that protect consumers from unfair and deceptive financial practices. Unauthorized access or misuse of financial data would likely constitute a violation. 

Why XXXX XXXX  Can not Legally Access This Data If a company under XXXX  control gains access to student loan data ( e.g., through a partnership with a loan servicer or financial institution ), it must strictly comply with all privacy laws. 
Unauthorized access, sale, or sharing of such data without explicit consent from borrowers would be a serious violation and could lead to federal investigations and penalties. 
If XXXX  personally accessed, influenced, or misused student loan information, it could constitute criminal liability under federal statutes, leading to potential fines and legal action. 

XXXX XXXX has illegally gained access to student loan and XXXX for XXXX  of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumers- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: OK

Complaint narrative:
It has come to my attention that the recently created company that is the Department of Government Efficiency ( D.O.G.E. ) has violated the Family Educational Rights and Privacy Act which was allowed by the current loan holder. They have viewed my personal data without my consent and without proper government clearance and has therefore broken the contract of my federal student loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XX/XX/20XXXX 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 XX/XX/2024 HAS violated my rights. 

XXXX. XXXX XXXX section XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XX/XX/20XXXX 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 XX/XX/2024 HAS violated my rights. 

XXXX. XXXX XXXX section XXXX. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Date : XX/XX/2025 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX To : JEFFERSON CAPITAL SYST XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Unauthorized Account Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : Account Number : Charge : Date : I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Please send me copies of all records relating to the account, including : Please send me a letter explaining what you have done to : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delte these accounts mentioned within 4 buisness days putstant to frca usc 1681c-2 15 605b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report I noticed that I had some late payments reporting to my account with XXXX XXXX XXXX. The late reporting payment dates are 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizen 's bank conducted an investigation and sent me no further updates. The last message was a letter received from them on XX/XX/year>. Attached is the last letter I received. I have tried to call the company and they have been unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I voluntary tried to surrender the car six months after purchased the sold me a lemon and predatory lending victim I am I hve witness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to contact XXXX XXXX XXXX and XXXX XXXX their " servicer '' to get detailed information about a collection account they charge me for seemingly without end. They would not provide any written information or ability to log in to view said information, so i can not confirm the legitimacy of the debt. I am happy to pay any debt i can confirm but they are damaging my credit for no reason at this point since ive had a deal with them that i stuck to and i maintain that the balance is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit bureau is reporting incorrect personal information, such as my name, address, date of birth, or Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my SECOND FORMAL DISPUTE regarding inaccurate and incorrect personal information appearing on my credit file. My legal name is XXXX XXXX, my current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX XXXX. The continued misreporting of my personal information is a direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681c, which mandates that credit reporting agencies maintain accurate and up-to-date personal information. Since I have previously disputed this issue, your failure to correct these errors constitutes willful non-compliance under FCRA 1681n, making you liable for damages due to your continued negligence. Additionally, under FCRA 1681i, credit reporting agencies are legally required to conduct a full and proper reinvestigation to ensure that all reported information is correct. Your refusal to take action is a clear breach of federal law and a violation of the maximum possible accuracy standard required under the FCRA. I am demanding the IMMEDIATE CORRECTION of my personal information on my credit file. If you fail to resolve this matter without delay, I will escalate this issue through legal and regulatory channels to ensure compliance with the law. Provide written confirmation of the correction of my personal information immediately. This is your final opportunity to comply before I take further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company had not only been harassing me with phone calls about this debt before it was sold to a 3rd party without me knowing and then the 3rd party threatened to sue me and seize my financial assets etc. and sent someone to my residence. The person they sent to my residence was harassing me about this and came to my door over 3 times I have them on my ring doorbell. These both violate not only my rights but as well as Section 1692d ( 5 ) in Title 15 of the U.S. Code. If anything I should be the one suing the agency for violating Section 392.403 of the Texas Finance Code and as well as Section 1692k in Title 15 of the U.S. Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume 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 non-monetary relief