vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash A

pp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate re Jress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
Ive contacted experian, transunion and Equifax about these TWO accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and mental health Account XXXX XXXX Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my personal academic identifiable data. On XX/XX/year>, I became aware through national news sources that my personally identifiable information, FAFSA, and academic records were accessed by XXXX XXXX, an individual who is not an official of the Department of Education or any department in the federal government, and is therefore unauthorized to access this information. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. This is a direct violation of the original terms I had signed, thus making that contract null & void. XXXX XXXX has no relationship to me and no communication was directly made to me regarding accessing my private information.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
TRS Recovery Services ( XXXX ) sent a letter of collection to me claiming that I owed XXXX XXXX XXXX in XXXX Florida via XXXX XXXX {$510.00} as of XXXX, plus a fee of {$40.00}. I wrote TRS Recovery Services and asked them for the original creditor and proof of whatever this said debt was. I then received a second correspondence from them with a copy of what I assume is a digital check with " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Other information includes a merchant #, last XXXX of an account #, amount, fee, transaction total, funding type, check #, reference #, Workstation, cashier, Auth Code, purchased from, payout type, trace ID, and player card ( the only one that was blank ), and a signature at the bottom that is not mine. However, I have not been to that Casino or any Casino in years ; the date of XXXX was a Friday and I was at work that day ; none of the numbers on that receipt are mine, my name is not even on the receipt, only a fake signature. My bank did go over my accounts to make sure it didn't match anything. I have filed a police report and will continue to takes steps to get this resolved.

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 2025-03-23 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I formally filed a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education databases. On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. 
To my understanding, the Department of Education is required to safeguard students & # 39 ; personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. 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: Untimely response
Consumer complaint received 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I formally filed a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education databases. 

On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.

I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records.

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: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts : XXXX, and XXXX were not opened by 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 2025-03-23 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: TX

Complaint narrative:
These are the accounts that have been reported inaccurately on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MD

Complaint narrative:
On XX/XX/year> I submitted another complaint regarding this companys multiple failures to investigate my dispute as required by law and continuing to report multiple inaccuracies regarding an alledged collection account listed under the name Absolute resolutions investments llc. 

This account is reporting different information across all three of my credit reports, to include the alledged d amount owed, the date of first delinquency and the amount. If the information was correct and verified then it would be reporting the same accross ALL reports. 

Once again the company FAILED to INVESTIGATE properly and completely as required by law as on XX/XX/year> they completed their investigation which in 5 days is clearly not enough time to complete a complete investigation to ensure all information is 100 % accurate as they are reporting.

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 2025-03-23 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 what they call hard inquiries with XXXX XXXX I never opened an account with XXXX XXXX and it's affecting my credit report to where I can't get a loan and my credit score is way down low because of that I don't know what they're doing I wish that they would delete deactivate whatever information that they have on me I also noticed that there's an account open with the name XXXX XXXX XXXX XXXX XXXX this is not me I want to dispute that I tried contacting them to dispute it they gave me the runaround and wouldn't help me at all and that heart inquiry is still on my credit 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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have what they call hard inquiries with XXXX XXXX I never opened an account with XXXX XXXX and it's affecting my credit report to where I can't get a loan and my credit score is way down low because of that I don't know what they're doing I wish that they would delete deactivate whatever information that they have on me I also noticed that there's an account open with the name XXXX XXXX XXXX XXXX XXXX this is not me I want to dispute that I tried contacting them to dispute it they gave me the runaround and wouldn't help me at all and that heart inquiry is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 what they call hard inquiries with XXXX XXXX I never opened an account with XXXX XXXX and it's affecting my credit report to where I can't get a loan and my credit score is way down low because of that I don't know what they're doing I wish that they would delete deactivate whatever information that they have on me I also noticed that there's an account open with the name XXXX XXXX XXXX XXXX XXXX this is not me I want to dispute that I tried contacting them to dispute it they gave me the runaround and wouldn't help me at all and that heart inquiry is still on my credit 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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
To Whom This May Concern, I am writing to formally request validation of the debt referenced in your recent communication, which concerns account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I have the right to request detailed information about this alleged debt.

To ensure that I have all relevant information before addressing this matter, please provide me with the following : 1. A complete and detailed payment history regarding this account, including dates, amounts, and any fees applied.

2. A copy of the original signed contract related to this debt, showing my agreement with the creditor.

3. Information on any insurance claims that may have been made against this debt.

4. Documentation showing the chain of title for this debt, indicating how you obtained the right to collect on it.

Please be advised that until I receive this requested validation, I will consider this debt in dispute. In accordance with the FDCPA, I expect your office to cease any collection activities until this matter is properly validated.

Thank you for your cooperation. I look forward to your prompt response. Please send the requested information to my address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I have attached several accounts for your removal. To remove them. Thank you. For I did not apply for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I have attached several accounts for your removal. To remove them. Thank you. For I did not apply for these accounts.

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 2025-03-23 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: NJ

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024 XXXX XXXXXXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024 XXXX XXXXXXXX XXXX XX/XX/2024

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 2025-03-23 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: MOHELA
State: WI

Complaint narrative:
My federal student loans, serviced by MOHELA, have been in administrative forbearance since XX/XX/XXXX as part of the SAVE plan. Under this forbearance, no interest should have accrued. However, despite this, my loans have inappropriately accumulated {$2400.00} in interest since XX/XX/XXXX. 

Upon discovering this error, I contacted MOHELA, first in XX/XX/XXXX, and again in XX/XX/XXXX, through their online portal to dispute the improper interest charges and request a correction to my account. Despite my request, no action has been taken to reverse the incorrectly accrued interest or provide an explanation for the error. 

This issue is a direct violation of the Department of Educations policies regarding the SAVE plan forbearance. Additionally, if the incorrect interest is not removed, my loan balance will be artificially inflated, potentially increasing my repayment costs once forbearance ends. 

I have escalated my complaint to Federal Student Aid ( FSA ) and the Student Loan Ombudsman, and I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure my loan balance is corrected. 

Details summary : Loan Servicer : MOHELA Forbearance Start Date : XX/XX/XXXX Improper Interest Accrued : {$2400.00} since XX/XX/XXXX Actions Taken by Me : Contacted MOHELA via their online portal to dispute the interest charges Requested written confirmation of balance correction Escalated the issue to Federal Student Aid Ombudsman MOHELAs Response : No resolution or corrective action has been provided I have attached screenshots/PDFs of my loan amounts in XX/XX/XXXX prior to inappropriate accrual, and again from this month demonstrating the inappropriate interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief