vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for their failure to validate a debt they have been attempting to collect, and for reporting inaccurate information on my credit report in violation of federal laws. I am requesting that the CFPB investigate this matter and compel the debt collection agency to remove their negative reporting from my credit file. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I requested written validation of the debt in 2024. Despite my timely request, XXXX XXXX XXXX and XXXX XXXX XXXX failed to provide the required validation within the 30-day period.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies and data furnishers to ensure that any information they report is accurate and verifiable. Since the debt collection agency has not validated the debt in question, their continued reporting of this debt to the credit reporting agencies constitutes inaccurate and unverifiable information. 
Due to their failure to comply with the FDCPA and FCRA, I am requesting the following corrective actions : XXXX. Immediate removal of the debt-related information reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX credit reports with all major credit reporting agencies ( Equifax, Experian, and TransUnion ) .

2. Confirmation in writing that the information has been removed and will not be re-reported in the future without proper validation. 
XXXX. That the CFPB investigate and hold XXXX XXXX XXXX and XXXX XXXX XXXX accountable for their failure to provide debt validation and for their violation of federal consumer protection laws. 
These are the accounts associated with the dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX 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 2025-02-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
To : Dispute Resolution Subject : Formal dispute and demand for loan discharge due to legal violations. 

Dear XXXX I am writing to formally dispute the legitimacy of my student loan obligations transferred due to serious legal breaches of federal privacy including the family educational rights and privacy act ( FERPA ), the PRIVACY ACT OF 1974, and the HIGHER EDUCATIONAL ACT I demand the immediate cancellation of all financial obligations related to these debts. 

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 


Legal grounds for discharge is as follows : 1. FERPA VIOLATION : The exposure of my educational records without my express written consent is direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. VIOLATION OF THE PRIVACY ACT OF 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors. 
3. BEACH OF HIGHER EDUCATION ACT : The higher education act requires services to maintain strict confidentiality and compliance in loan transfers. The transfer to my loan to Depted/CRI and subsequent data breaches demonstrate clear negligence. 
4. BREACH OF CONTRACT AND DATA SECURITY OBLIGATIONS : By failing to protect my sensitive information, both Nelnet and DeptedXXXX have breached contractual terms and obligations, rendering these debts unenforceable. 

DEMAND FOR RESOLUTION : Due to the violations, I formally demand : - [ ] Immediate and unconditional cancellation of all financial obligations associated with my student loans. 
- [ ] Complete removal of all Nelnet and Depted XXXX related entries from my credit report. 
- [ ] Written confirmation of this cancellation and credit correction within 30 days. 

If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, XXXX am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit file, I noticed several hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a credit bureau may only include inquiries in a consumers credit report if they are permissible under law and if I provided explicit authorization. Since I did not consent to these inquiries, I am formally requesting their immediate removal. 

The disputed inquiries are as follows : 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 1681i, I am requesting an immediate investigation into these inquiries. If the companies listed above can not provide verifiable proof that I authorized these inquiriessuch as a signed application or recorded verbal consentthese inquiries must be removed from my credit report. 

Please consider this letter my formal dispute. I expect written confirmation of your investigation and the results within the legally required timeframe of 30 days from receipt of this letter. Additionally, if these inquiries are not removed, I request full documentation showing proof of my consent. 

I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please investigate this matter and confirm the removal of the unauthorized inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WY

Complaint narrative:
Im am filling a complaint against Cash App ( 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed by my financial institution and Zelle that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent multiple letters to Portfolio Recovery Associates requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : Account # XXXX Balance : {$1200.00} Account # XXXX Balance : {$1400.00} Account # XXXX Balance : {$680.00} Account # XXXX Balance : {$810.00} In response to my letters, Portfolio Recovery Associates has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX CBNA and XXXX XXXX hard inquiry on my XXXX report. I tried to freeze my credit with XXXX but they said I dont have a file with them to be able to freeze. XXXX asked me to mail all of my personal information ( including drivers license, copy of social security card, address and birthday ) to their XXXX XXXX XXXX in XXXX GA, but my XXXX XXXX says the hard inquiry is on my XXXX report. I want to avoid mailing my sensitive information since I already have a file with them. I was able to freeze my credit with the other XXXX major credit bureaus with no issues. I called CBNA to ask about this inquiry and they told me to mail the inquiry information to their XXXX XXXX XXXX in XXXX NY which I did.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: WI

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> **Cavalry Portfolio Services** Attn : Customer Care XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX **Re : Account No. Unknown XXXX last four social. 

To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased. 
- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The transaction in question was unauthorized and does not reflect any action or approval on my part. I have taken all necessary precautions to secure my account, and this issue has caused an unexpected financial burden. The transactions date start XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have reached out to flix bus they determined fraud occurred and refunded my funds back, cashapp declined my dispute pertaining to a. XXXX 's transaction that was supposed to be refunded due to reaching out to corporate who initiated the refund, haven't received refund asked cashapp to look into, no avail they denied it without thorough investigation, XXXX was attempted to be withdrawn from my cashapp account, blocked it, then mins later {$530.00} was withdrawn from my cashapp, cashapp has been allowing money to be withdrawn despite me reaching out complaining that my account is compromised and someone is sending themselves money. Account is being used in a whole other state then where I'm currently at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear MOHELA Loan Servicing, I am writing to formally dispute the validity of my student loan ( XXXX ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XXXX ( DOGE ) -related entities. 

Upon investigation, I have found that : XXXX. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX and DOGE. 


XXXX. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. 

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. 

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( XXXX ) as they were obtained under legally questionable circumstances. 


If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. 

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>. You may contact me at XXXX or XXXX if you require further details. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing. 

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.

Company response to consumer: Closed with explanation