vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education 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 informations. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

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 2025-03-13 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education 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 informations. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education 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 informations. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

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 2025-03-13 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-13 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint under the Family Educational Right 's and Privacy Act ( FERPA ) regarding the unauthorizes access to my personally unidentifiable information by XXXX XXXX and his employees through the Department XXXX XXXX XXXX. 

Yesterday on XX/XX/year>, I became aware that individuals who are associated with XXXX, who are neither school officials nor authorized reps, accessed databases with my personal information and education records without my consent. I did not provide access for this and believe it violates my FERPA rights.

The Department of Education is supposed to protect and safeguard my education history and information and this is a serious breach of my personal information.

I request that you look into this and take action to ensure my information stays protected. Also send over any relevant findings, corrective actions, and steps needed for both parties to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received the bank transaction history for my dad who is now deceased. I am the administrator of his estate. 

I have found {$11000.00} in fraudulent credit card charges made after his death. 
I have also found {$12000.00} in fraudulent XXXX transactions from his checking account made while he was XXXX XXXX  XXXX. {$4000.00} left his account the day that he died ( he was XXXX XXXX XXXX ). 

I have attempted to contact XXXX, they told me they could not help me and to contact Chase. I have attempted to dispute these transactions with Chase bank and have not been helped. I don't want to pursue money in a civil case, I want criminal charges pressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} INQUIRIES : XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My vehicle was involved in a traffic accident in XXXX of XXXX  and towed by XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tow truck driver from XXXXXXXX XXXX XXXX XXXXXXXX solicited business on the day of the accident by giving my son his business card. I later paid the fees to release the vehicle from XXXX XXXXXXXX XXXX XXXXXXXX but they put a lien on my vehicle anyway and put the vehicle in their name. Ally Financial is my loan company. I was told by Ally Financial in XXXX of XXXX  that the vehicle no longer belonged to me and it was in someone else 's name. I had no idea XXXX XXXX XXXX XXXX  put a lien on my vehicle prior to finding this out since I had a receipt showing that the balance was paid in full and my vehicle was released to XXXX XXXX XXXX XXXX for repairs. The day my vehicle was released from XXXX XXXX and XXXX to XXXXXXXX XXXX XXXX  that the cost to repair would be {$3000.00} to {$5000.00}. I later received a quote of {$12000.00} from XXXX for XXXX XXXX which was more than double the cost that I was previously given. XXXX XXXX XXXX XXXX who is affilated with XXXX XXXX XXXX XXXX started working on my vehicle prior to me accepting the quote and said that I could not get the vehicle back until I paid for it. I feed that my vehicle was basically stolen from me by both XXXX XXXX and XXXX and XXXX for XXXX XXXX. Due to being mislead by XXXX for XXXX XXXX and being informed by Ally Fianancial that the title was in someone else 's name, I stopped making my payments and tried to get a resolution. I tried to reconcile this with Ally Financial but they refused to work with me. They instead decided to legally go after XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get the title back and repossessed the vehicle. This put me in a bad situation because now I have a balance of over {$23000.00} on my credit report owed to Ally Financial. I think that this is unfair and I want my vehicle back and my account reinstated with Ally Fiancial or the balance removed from credit report. Ally Fiancial is now demanding the full balance due on the loan to avoid the sale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXXXXXX XXXX XXXXXXXX XXXX 
Account XXXX : XXXX XXXX. Item/Account Name : XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. XXXX XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX Account Number/Reference Number : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report.

If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, 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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RNN Group, Inc
State: GA

Complaint narrative:
RNN Group has contacted my employer on multiple occasions, the last of which was today, XXXX. Today, XXXX XXXX from RNN Group contacted a coworker, not someone in HR, via phone, and proceeded to ask the coworker to provide personal information about me, including requesting my birthdate and social security number. The employee that was contacted does not have any of my personal information, nor are they permitted to divulge that information to random people who call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
irs said they sent my refund check in XXXX deposited it into bank of america but i don't have an account with bank of america talk to irs refund department they said i had to wait 120 days for replacement irs said i would receive the refund by XX/XX/year> but i haven't received it yet i received a letter from irs that said contact bank of america to send the refund check back to them but bank of america said the wasn't in my name so they couldn't discuss the matter

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 2025-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, DC XXXX Subject : Student Loan Information Breach Due to Doge Data Breach Dear Sir/Madam , My name is XXXX XXXX XXXX and I am writing to formally report a breach and compromise of my student loan information, which occurred as a result of the recent Doge data breach. This breach, involving Doge and XXXX XXXX, has been further exacerbated by the breach of the U.S. Department of Educations systems. 

My personal and student loan data, which is held by XXXX, XXXX, was exposed due to this breach, and I am deeply concerned about the security of my sensitive information. Given that both private entities like Doge and government systems like the Department of Education were involved, I am worried about the risk of identity theft and fraudulent activity. 

As a result of this breach, I am requesting the following : Investigation : A thorough investigation into the extent of the breach and the protection of my student loan information. 
Corrective Action : I would like to understand what steps are being taken by the loan servicer and any involved entities to protect affected individuals, including any actions to mitigate the risk of identity theft. 
Notification and Support : I request timely and clear communication from the relevant parties about the breach, and guidance on any necessary steps I should take to protect myself. 
Compensation : If appropriate, I request compensation or remediation for any damages or inconveniences caused by this breach, including any financial impact. 
Removal of Information : Due to the breach, I would like my student loan information to be completely removed from any systems involved in this incident to ensure my privacy and security. 
Additionally, I would appreciate advice on how I can best monitor my credit and manage any potential risks to my financial security moving forward. 

Please confirm receipt of this complaint and provide me with an update on any actions being taken to investigate this issue. I would greatly appreciate your assistance in resolving this matter as quickly and thoroughly as possible. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, DC XXXX Subject : Student Loan Information Breach Due to Doge Data Breach Dear Sir/Madam , My name is XXXX XXXX XXXX and I am writing to formally report a breach and compromise of my student loan information, which occurred as a result of the recent Doge data breach. This breach, involving Doge and XXXX XXXX, has been further exacerbated by the breach of the U.S. Department of Educations systems. 

My personal and student loan data, which is held by XXXX, XXXX, was exposed due to this breach, and I am deeply concerned about the security of my sensitive information. Given that both private entities like Doge and government systems like the Department of Education were involved, I am worried about the risk of identity theft and fraudulent activity. 

As a result of this breach, I am requesting the following : Investigation : A thorough investigation into the extent of the breach and the protection of my student loan information. 
Corrective Action : I would like to understand what steps are being taken by the loan servicer and any involved entities to protect affected individuals, including any actions to mitigate the risk of identity theft. 
Notification and Support : I request timely and clear communication from the relevant parties about the breach, and guidance on any necessary steps I should take to protect myself. 
Compensation : If appropriate, I request compensation or remediation for any damages or inconveniences caused by this breach, including any financial impact. 
Removal of Information : Due to the breach, I would like my student loan information to be completely removed from any systems involved in this incident to ensure my privacy and security. 
Additionally, I would appreciate advice on how I can best monitor my credit and manage any potential risks to my financial security moving forward. 

Please confirm receipt of this complaint and provide me with an update on any actions being taken to investigate this issue. I would greatly appreciate your assistance in resolving this matter as quickly and thoroughly as possible. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, DC XXXX Subject : Student Loan Information Breach Due to Doge Data Breach Dear Sir/Madam , My name is XXXX XXXX XXXX and I am writing to formally report a breach and compromise of my student loan information, which occurred as a result of the recent XXXX data breach. This breach, involving Doge and XXXX XXXX, has been further exacerbated by the breach of the U.S. Department of Educations systems. 

My personal and student loan data, which is held by XXXX, XXXX, was exposed due to this breach, and I am deeply concerned about the security of my sensitive information. Given that both private entities like Doge and government systems like the Department of Education were involved, I am worried about the risk of identity theft and fraudulent activity. 

As a result of this breach, I am requesting the following : Investigation : A thorough investigation into the extent of the breach and the protection of my student loan information. 
Corrective Action : I would like to understand what steps are being taken by the loan servicer and any involved entities to protect affected individuals, including any actions to mitigate the risk of identity theft. 
Notification and Support : I request timely and clear communication from the relevant parties about the breach, and guidance on any necessary steps I should take to protect myself. 
Compensation : If appropriate, I request compensation or remediation for any damages or inconveniences caused by this breach, including any financial impact. 
Removal of Information : Due to the breach, I would like my student loan information to be completely removed from any systems involved in this incident to ensure my privacy and security. 
Additionally, I would appreciate advice on how I can best monitor my credit and manage any potential risks to my financial security moving forward. 

Please confirm receipt of this complaint and provide me with an update on any actions being taken to investigate this issue. I would greatly appreciate your assistance in resolving this matter as quickly and thoroughly as possible. 

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

Sincerely, 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