vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
My information was involved in a data breach. Which is a violation of the family educational kignts and trivacy 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 academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX  ) 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. $ XXXX  ; 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. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective 89.7 KI actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax canoed. which invalidates the integrity of my loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Complaint Regarding Experian Data Breach and Violation of FCRA Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Experian, XXXX and XXXX for the exposure of my personal credit information in a recent data breach. This breach has caused me significant distress and concern regarding the security of my personal information and the potential for identity theft. 

Experian XXXX XXXX : In XX/XX/XXXX, Experian reported a data breach that exposed the personal information of millions of consumers. The breach included sensitive data such as Social Security numbers, credit card information, and other personal details. 

XXXX XXXX XXXX : In XX/XX/XXXX, XXXX disclosed a data breach that affected over XXXX XXXX consumers. The breach involved unauthorized access to personal information, including names, addresses, Social Security numbers, and financial account details. 

XXXX XXXX XXXX : In XX/XX/XXXX, XXXX reported a data breach that compromised the personal information of millions of consumers. The breach included sensitive data such as Social Security numbers, credit card information, and other personal details. 

As result I believe my credit report reflects, erroneous, inaccurate and potentially fraudulent activity being attributed to my identity. 

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts : This section mandates that consumer reporting agencies must include a fraud alert in the consumer 's file upon request. It also provides consumers with the right to access free credit reports if a fraud alert is placed.

15 U.S. Code 1681c2 - Blocking of information resulting from identity theft : This section allows consumers to request that consumer reporting agencies block information in their credit reports that resulted from identity theft.

16 CFR Part 681 - Identity Theft Red Flags and Address Discrepancies : This regulation requires financial institutions and creditors to develop and implement written identity theft prevention programs to detect, prevent, and mitigate identity theft I am seeking immediate action from the CFPB to investigate this matter and ensure that Experian complies with all FCRA requirements. Additionally, I request that Experian take all necessary steps to protect my personal information and prevent any further unauthorized access.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was trying to buy tickets to a sporting event and the person I was trying to buy from requested payment through XXXX. I was communicating through this person through text, and we first exchanged information through XXXX. The date of the transaction was XX/XX/XXXX. I sent this person {$150.00} in exchange for the event tickets, and after I sent them the money they stopped responding to me, blocked me on XXXX  and text, and I was no longer able to get in contact with them. They had previously sent me pictures of the tickets I was trying to buy. 

The persons name on XXXX  I sent the money to was XXXX XXXX, however this person was then sending the money to a second XXXX user named XXXX XXXX. I have included screenshots of the transactions, as well as other information I was able to find on XXXX  for these people. 

I reached out to XXXX and XXXX to report this scam, as the person had other listings on XXXX as well as other transaction history on XXXX for sporting event tickets. Neither XXXX  nor XXXX helped me resolve the issue, would not provide any updates or information on making sure this person could not do this in the future, nor would either service help me refund the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

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. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-02-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2025-02-25 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: AL

Complaint narrative:
Reporting companies have used my information incorrectly. Allowing my personal information to be compromised with creditors and identity theft. Please remove all collection accounts from profile and late payments

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 2025-02-25 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: CBC Companies, Inc.
State: AL

Complaint narrative:
Reporting companies have used my information incorrectly. Allowing my personal information to be compromised with creditors and identity theft. Please remove all collection accounts from profile and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry was not approved by me. I have had no discussions with this lender on the mentioned 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 2025-02-25 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have contacted American Express multiple times to enact the Louisiana service members civil relief act. This act ensures that any active service member serving in the state of Louisiana is entitled to an interest rate at 4 % or lower

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between XX/XX/XXXX, XXXX XXXX, XXXX, I have XXXX hard inquiries on my Transunion, Equifax and Experian accounts I did not authorize. I purchased a new vehicle on XX/XX/XXXX and should have only had XXXX hard inquiry from XXXX XXXX as they are the exclusive Finance company for XXXXXXXX XXXX Car Dealership. The rest of these hard inquiries listed below were UNAUTHORIZED XXXX. XXXX ( XXXX ) - XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car Loan XXXX. XXXX XXXX- XX/XX/XXXX ( car loan ) XXXX. XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX Finance XX/XX/XXXX ( unknown ) XXXX. XXXX- XX/XX/XXXX ( unknown ) XXXX. XXXX XXXX XXXX ( unknown ) XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/XXXX ( unknown ) XXXX. XXXX ( Bank XXXX XXXX ( unknown )

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 2025-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am writing to bring to your attention a concern regarding my student loan repayment plan with Aidvantage, which I believe is placing an undue financial burden on me. 

I am currently enrolled in a SAVE repayment plan that requires me to NOW pay {$900.00} per month toward my student loans when it was once {$200.00} per month. However, this new payment exceeds 10 % of my discretionary income, which I understand is the maximum recommended threshold for affordability. 

To provide context, my monthly net income is {$6300.00}. Below are my necessary monthly expenses : Mortgage : {$3300.00} Car payment : {$630.00} Insurance : {$520.00} Utilities : {$400.00} Food : {$300.00} After deducting these essential expenses, I am left with {$1100.00} in discretionary income. With the current monthly student loan payment jump to {$980.00}, this leaves me with little to cover other necessary costs, making it nearly impossible to afford my loan repayment. 

Despite my best efforts to manage my finances responsibly, I find myself struggling to make ends meet. I believe the current repayment plan is unreasonable given my income and essential expenses. I respectfully request that the Consumer Financial Protection Bureau intervene to help ensure my repayment plan is adjusted to a more affordable amount, ideally in line with the 10 % of discretionary income limit. 

Please let me know what steps I can take to resolve this issue, as I am eager to find a solution that allows me to manage my student loan repayment while still maintaining financial stability. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone opened a account in my name wasnt me I already explained this they talking bout it was me it never was me at all they having disbelief I already stated it was not me so I only can defend myself I was notified as of a piece of mail coming to my girlfriends address I notified them said it wasnt me thats it

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 2025-02-25 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-25 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation