vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply.

Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the XXXX, which protects personal data from unauthorized access, or similar regulations in other countries. 

Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

1. Academic Policy Violation Curriculum Requirements : Most colleges and universities have specific graduation requirements for each degree program, including the number of credits, required courses, and sometimes even core competencies. Changing your degree program too late could violate those academic policies, particularly if the new program requires additional courses or credits that can't be completed in time to meet the graduation deadline. 
Eligibility for Graduation : If the degree change delays your ability to complete the necessary coursework in time for graduation, it could violate the institution 's graduation policy. Some institutions may have specific deadlines for declaring or changing a major, and failing to adhere to those deadlines could prevent graduation in the current semester.

2. Financial Aid Issues Financial Aid Eligibility : If you are receiving financial aid ( e.g., scholarships, federal student loans ), changing your degree program late in your academic career could affect your eligibility for certain types of financial aid. Financial aid often requires students to meet specific academic progress guidelines or to be enrolled in a program that aligns with their financial aid plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply.

Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the EU, which protects personal data from unauthorized access, or similar regulations in other countries.

Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

1. Academic Policy Violation Curriculum Requirements : Most colleges and universities have specific graduation requirements for each degree program, including the number of credits, required courses, and sometimes even core competencies. Changing your degree program too late could violate those academic policies, particularly if the new program requires additional courses or credits that can't be completed in time to meet the graduation deadline.

Eligibility for Graduation : If the degree change delays your ability to complete the necessary coursework in time for graduation, it could violate the institution 's graduation policy. Some institutions may have specific deadlines for declaring or changing a major, and failing to adhere to those deadlines could prevent graduation in the current semester.

2. Financial Aid Issues Financial Aid Eligibility : If you are receiving financial aid ( e.g., scholarships, federal student loans ), changing your degree program late in your academic career could affect your eligibility for certain types of financial aid. Financial aid often requires students to meet specific academic progress guidelines or to be enrolled in a program that aligns with their financial aid plan.

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 2025-03-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica

Complaint narrative:
I am overseas and retired social security using the XXXX XXXX debit card, every 6 months i must call and be internationally opted in, XXXX XXXX makes me send in my identifications every 6 months and makes me go to the ATM to get denied in order to start the process of getting opted in, then the process repeats itself and then they ask me to resend my identifications again and go to the ATM and get denied again, this process repeats itself over and over again, and when i call customer service i get lied to, yelled at, hung up on, and the supervisors pretend not to hear me. I still dont have access to my funds and my account overseas even though i have done everything they have asked me to do. I believe the government needs to terminate their contract with coamerica XXXX XXXX debit card services bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I am filing this FTC identity theft affidavit to report the fraudulent accounts appearing on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a collections account opened at AMSHER COLLECTION SERV and AMSHER COLLECTION SE ( Original Creditor XXXX XXXX XXXX on XX/XX/year>. This account has resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report, and is also reporting inaccurate and incomplete information as well. I demand that the fraudulent item mention be removed from each of my consumer credit reports and that all collections activities related to said items cease pursuant to my rights within the FCRA and FDCPA Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) Hard Inquieres : XXXXXX/XX/XXXXXX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XX/XX/XXXX( XX/XX/XXXX ) XXXX. XX/XX/XXXX( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I found out they stop reporting since last XX/XX/year>, it is like im a ghost or something? the balance is not right i make a payment up to date? And they want to overthere to discusss something? our lease agreement is XXXX months and additional XXXX cents per mileage? the balance overthere are inaccurate and XXXX  months payment are not in credit report history? maybe because last XXXX i got maliciious arrest/discrimination by the police and even without probable cause and no extingent danger? Because i know we do not do illegal and we are law abiding citizen? They arrest me without probable cause and that car are involve and in US constitution/ they violates my civil rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
XX/XX/year> they stole my funds from a hotel deposit. The original deposit was {$100.00} then it got adjusted to {$71.00}. Well they never released the hold on the {$28.00} like they were supposed to Months prior they did the same thing. Refused to provide proof in a transaction statement that it got put into my account and they tried pulling the same XXXX today. Well I got proof of every transaction. Screenshot this time!! They pulled this on me multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
the website only allows payment using you bank account information, i twice setup payment but they refuse to collect or intentionally dont want to collect payment so they can charge late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CF-A0, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the XXXX take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate : Closed account XXXX XXXX XXXX XXXX off account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The investigation results TransUnion provided is their typical generic response to every consumer.they have submitted the same response every 30 days without doing a proper investigation ( Please see attachments ). 

I am writing to formally dispute inaccurate information on my credit report and express my concern regarding your failure to conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, I have received generic responses without proper investigation into the inaccuracies I reported. 

The following items are inaccurate and should be corrected or removed : 1. Outdated Accounts : Accounts older than the legally reportable period ( typically seven years ) are still being reported, negatively impacting my credit score. 

XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX. Unverified Late Payments : Late payment records have not been properly verified with original creditors, yet they remain on my report. Under the FCRA, unverified information must be corrected or deleted. 

XXXX XXXX  XXXX XXXX {$720.00} Account # XXXX Late Payment Reporting : XX/XX/year> XXXX XXXX XXXX XXXX {$8800.00} # XXXX Late Payments Reporting : XX/XX/year>, XX/XX/year>, XX/XX/year> In accordance with the Fair Credit Reporting Act your company is in clear violation under 15 USC 1681 SECTION 602 states I have the right to privacy.15 USC 1666 ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. My privacy rights as a consumer have been violated.15 U.S.C. 1681 ( b ) - permissible purpose of consumer reports, The LAW states : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this information on my credit report?

Furthermore, the FCRA 15U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.- Except as provide in paragraph ( 3 ), the term Consumer report does not include- ( A ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-03-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
having problem with them reporting on my criedt reprot did not give permisson and have disputed but did not get a accreated report. need help to send letter to complian about what is hurting my criedet reprot would like it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you claim I owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I tried making my monthly loan payment of {$160.00} on MOHELA which is due on the XXXX of every month. I made the payment on XXXX XXXX XXXX and it said it would take about 2-4 business days to appear with the changes. After about 3 days later, I checked back to see that I had paid the monthly payment, and it showed a balance of {$0.00} pending payments on my account. When I checked my payment again it said that the payment has been reversed, and so I made the payment again on XXXX XXXX XXXX and it said that the payment has been reversed again, so I tried on the XXXX, and when I checked back on the XXXX ( the due date ) it said that the payment has processed. I check back again the next day, and it's been reversed and now they're telling me that since the payment is late I have to pay the interest of XXXX. This is infuriating as I've been trying to pay them at the beginning of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ DATE XX/XX/2025 ] [ EQUIFAX ]. [ EXPERIENCE ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX TX XXXX ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft a the credit agencies are refusing to block accounts from reporting to my files. I have given them all the FTC identity theft reports and the police report. They keep allowing XXXX XXXX to report a ccd account to my account with a balance of {$1400.00}. They are telling me that if then credit Linder keeps reporting it they must put it back. However the far credit reporting act and the far credit collection act both state that it is the responsibility of the credit agency to report correct and accurate informant and to block inaccurate information

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 2025-03-15 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: CA

Complaint narrative:
I am a victim of identity theft a the credit agencies are refusing to block accounts from reporting to my files. I have given them all the FTC identity theft reports and the police report. They keep allowing XXXX XXXX to report a ccd account to my account with a balance of {$1400.00}. They are telling me that if then credit Linder keeps reporting it they must put it back. However the far credit reporting act and the far credit collection act both state that it is the responsibility of the credit agency to report correct and accurate informant and to block inaccurate information

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