vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My students academic records and personally identifiable information for myself ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

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. In addition, there was a violation of the Privacy Act of XXXX wherein an assigned government employee knowingly and willfully disclosed my sensitive, personal information without my consent without proper notice and/or disclosing their existence. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
In addition, the information of my relatives, whom I included in my application, was also breached by this unauthorized access to the data. I was also barred from access to the people that service my loans and access to my own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
PLEASE CHECK THE INFORMAYION CONCERNING THE EQUIFAX DATA BREACH BELOW IN ATTACHMENTS

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 2025-02-16 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:
PLEASE CHECK THE INFORMAYION CONCERNING THE EQUIFAX DATA BREACH BELOW IN ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX was taken out of my account on cash app on XX/XX/XXXX and I was not reimbursed for this transaction due to some fraudulent and scammer activity due to somebody accessing my account I also lost a potentially XXXXXXXX XXXXXXXX XXXX XXXX of XXXX bringing the Total amount to XXXXXXXX XXXX which also landed me in a dispute with a job i no longer have as my company card was attached to that cash app account I currently no longer use cash app because my account was hit those times and there was no dispute or no way for anybody to help me get back my friends I was told through a automated message that there's nothing that they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and found an inaccurate account that is reporting. I have made a list of the inaccurate account that I would like removed. I am in the process of purchasing a vehicle and I can not get access to loans. Please review all of my documents and remove the account that is listed. 

I contacted TransUnion on XXXX requesting an incorrect account be removed from my credit profile. They refused to do so.

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 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My information was compromised in the XXXX  XXXX XXXX XXXX and sold to a third party which shows up on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked the the company to use one loan where it seem to be XXXX different loans from the same company also I asked to to delete the inaccuracies of late payments on the credit report 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
I asked the the company to use one loan where it seem to be XXXX different loans from the same company also I asked to to delete the inaccuracies of late payments on the credit report 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2025-02-16 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: PA

Complaint narrative:
I asked the the company to use one loan where it seem to be XXXX different loans from the same company also I asked to to delete the inaccuracies of late payments on the credit report 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2025-02-16 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: DISCOVER BANK
State: TX

Complaint narrative:
Help me create a Dispute Letter using 15 USC Code 1681 ( o ) for Civil Liability for Negligent Non-Compliance. Accuracy of Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Help me create a Dispute Letter using 15 USC Code 1681 ( o ) for Civil Liability for Negligent Non-Compliance. Accuracy of Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: OH

Complaint narrative:
This account violates consumer rights to privacy and confidentiality under 15USC1681, 15USC1681 section 602A, 15USC1681eb, 15USC1681c.a5, 15USC1681s2A1 demand for instant discharge requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: OH

Complaint narrative:
This account violates consumer rights to privacy and confidentiality under 15USC1681, 15USC1681 section 602A, 15USC1681eb, 15USC1681c.a5, 15USC1681s2A1 demand for instant discharge requested.

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 2025-02-16 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX TX ) XXXX XXXX : {$560.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$180.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$5400.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 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 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
According to 15 USC 1692C I advised Midland Credit Management to cease and desist all communication regarding improper reporting of multiple accounts under my name to the 3 credit bureaus and they have continued to report such debt and violate said law. I do not know who this company is and have never had any accounts with them or signed any contract with them agreeing that I owe them anything ( they have also failed to provide me with proof of the same ). I request for them to cease and desist all communications, improper reporting and collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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 personal information and account details were shared with a third party agency without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Subject : Formal Complaint Against Calvary Portfolio Services for Illegal Debt Collection, Harassment, and Attempted Fraud Debt Collector : Company Name : Calvary Portfolio Services Description of the Issue : I am filing a complaint against Calvary Portfolio Services for : 1. Attempting to collect on a debt that was already settled and paid in XXXX, with a balance cleared in XXXX. 
2. Harassing my former employer by repeatedly visiting my old workplace, despite being told I no longer work there.

3. Filing a lawsuit against me for alleged court fees related to the already-settled debt but deliberately sending all legal paperwork to my old address, despite knowing my correct address.

Details of the Violation : I settled my debt with Calvary Portfolio Services in XXXX, and the balance was cleared in XXXX. I have receipts proving payment. 
Despite this, they took the case to court and are attempting to charge me court fees without proper notification. 
Instead of serving court papers to my current address in XXXX, which they were aware of, they deliberately sent paperwork to an old address, resulting in a default judgment against me. 
They have also been harassing my former workplace, showing up multiple times per month, demanding to know where I work and disclosing details of my supposed debt. 
Their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : Attempting to collect a debt not owed ( 15 U.S.C. 1692e ( 2 ) ) Misrepresentation of the amount or legal status of a debt.

Harassment ( 15 U.S.C. 1692d ) Repeated, unwanted contact with my former employer.

Unauthorized third-party disclosure ( 15 U.S.C. 1692c ( b ) ) Discussing my debt with individuals who are not authorized.

Failure to provide proper legal notice Sending court documents to an incorrect address despite knowing my correct one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On my Wells Fargo Active Cash XX/XX/XXXX statement, I was charged {$29.00} for an interest charge even though I had paid my entire balance ( and more ), before the statement period ended. I called and spoke to a customer service rep with Wells Fargo on XX/XX/XXXX at XXXX XXXX Upon speaking with the rep, I explained the situation and he requested a credit, which was initially denied. I stated why I shouldnt have been charged interest. He then put me on hold and when he got back on the line, he said that he worked it out. I was told that the {$29.00} would be credited back to my card by the next statement period. I was told this multiple times in the conversation. I even confirmed again before we got off the phone. He assured me it would show up on my future statement. I got my new statement, which was a month later ( XX/XX/XXXX ) and it still had yet to be credited. I called today ( XX/XX/XXXX ) at XXXX XXXX  ( until XXXX XXXX  ), to ask what the status was and ended speaking to XXXX representatives who all acted clueless and offered no solutions. I eventually spoke to a supervisor who I asked why I was blatantly lied to a month ago and why it wasnt being handled correctly/rectified. She had no answers and provided absolutely no help. She just gave me the run around again and said someone would follow up with a call, which I dont foresee happening. Their customer service is beyond horrible. I cant believe that not only was lied to, but now have to go through all this trouble 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 2025-02-16 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: SC

Complaint narrative:
The following accounts arre not mine and were unauthorized

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and receptive, 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain information that I believe is inaccurate on my credit report. I have reviewed my report from your agency, and I have identified the following information that is incorrect XXXX XXXX XXXX The date that is open is incorrect Im disputing this because the information is incorrect and need it removed immediately to purchase an home I have attached supporting documents to assist in the investigation Please conduct a thorough investigation and correct or remove the inaccurate information as soon as possible. Under the Fair Credit Reporting Act, I request that this dispute be resolved within 30 days and that I be informed of the outcome in writing If you need any further information from me to facilitate your investigation, please feel free to contact me. 

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

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 2025-02-16 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: MO

Complaint narrative:
Transunion lowered my credit score and they refuse to fix it. The other bureaus did not lower my score. But transunion did by XXXX points due to an error on my XXXX XXXX XXXX XXXX that was eventually fix by XXXX. But upon trying to speak to Transunion they couldnt even give me a reason for the drop in my score or would they justify why they dropped my score significantly.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was not notified of the results of the investigation of verification of these items listed. 
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX Under codes : 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681 i ( a ) ( 5 ) B

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