vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
My personal and financial information was compromised without my authorization by a group of outsiders called DOGE. This has been brough to light in the month of XXXX from a lawsuit by students in the state of California. 
Below is direct information from the student loan website that mentions the consequences of third parties from accessing personal information. 

Warning You are accessing a U.S. Federal Government computer system intended to be solely accessed by individual users expressly authorized to access the system by the U.S. Department of Education. Usage may be monitored, recorded, and/or subject to audit. For security purposes and in order to ensure that the system remains available to all expressly authorized users, the U.S. Department of Education monitors the system to identify unauthorized users. Anyone using this system expressly consents to such monitoring and recording. Unauthorized use of this information system is prohibited and subject to criminal and civil penalties. Except as expressly authorized by the U.S. Department of Education, unauthorized attempts to access, obtain, upload, modify, change, and/or delete information on this system are strictly prohibited and are subject to criminal prosecution under 18 U.S.C. 1030, and other applicable statutes, which may result in fines and imprisonment. For purposes of this system, unauthorized access includes, but is not limited to : any access by an employee or agent of a commercial entity, or other third party, who is not the individual user, for purposes of commercial advantage or private financial gain ( regardless of whether the commercial entity or third party is providing a service to an authorized user of the system ) ; and any access in furtherance of any criminal or tortious act in violation of the Constitution or laws of the United States or any State.

If system monitoring reveals information indicating possible criminal activity, such evidence may be provided to law enforcement personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MI

Complaint narrative:
I am filing this complaint because my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$4200.00} XXXX XXXX  XXXX BALANCED {$12000.00} XXXX XXXX  XXXX BALANCED {$750.00} XXXX  XXXX XXXX BALANCED {$3200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
The credit reporting agencies and the collection agencies stated the debt was mine. I began disputing this information on my credit report in XXXX of 2024. I sent letters to the credit reporting agencies that my personal information was wrong on my credit report, my name was spelled wrong. There were numerous spellings of my name, multiple addresses that were not mine, the employer listed was not correct, and the phone number was incorrect. I sent the disputes by mail certified with a receipt. My credit reports do not show any disputes with the collection agencies. I filed with the FTC because since I have caught this issue my data has been breached 4 times in less than a year. I have no online access to XXXX or XXXX because I am locked out of those credit reports online. Since my information is not correct when I call the two agencies they can't identify me as the account owner. I have never signed any agreement to have my personal information to be sold to any third party. However, since the original creditors have sold my information and the credit bureaus have failed to manage my personal information my social security number has been compromised and now I am dealing with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc.
State: ID

Complaint narrative:
Professional credit service XX/XX/year> {$3200.00} I do not want to contact them to renew the statute of limitations because they have been met this is a 10 year old debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MA

Complaint narrative:
Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when DOGE, a third-party vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm.

I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
Account was bought and sold to Spring Oaks Capital. I don't know who the debt originated with. Also I was told debt is charged off but it is still showing open on my credit report. And balance due. I would like account removed from my credit account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC Address : XXXX, SC XXXX Phone # XXXX XXXX  XXXX XXXX  XX/XX/year> This company is breaking the law by failing to provide proper validation details as required under 12 CFR1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
I received a 1099-K in the mail from CashApp ( Block , Inc. ) that is completely erroneous. I signed into my *real* CashApp account, which I rarely use, and there is no 1099-K there to download. It says " You didnt qualify for a 2024 Form 1099-K. '' So, a fraudulent account has been opened in my name and with my social security number ( included on the 1099-K form I received ), saying that I am a payee and that I received XXXX payments in XX/XX/year> totaling {$4800.00}. None of this is correct. 

In XXXX, XXXX, I received a CashApp debit card in the mail that looked like no other debit card I'd ever seen before. Suspecting fraud, I contacted CashApp directly in order to close the account. They would not do so unless I gave additional personal information such as my driver 's license number. I suspect that because I did not give them this information, they did not close this fraudulent account, and therefore it was used in XXXX. They still refuse to close the fraudulent account and will not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX and XXXX, XXXX, XXXX, I reported that I have not been allowed to see my credit score. Every time I speak to an Experian Representative, they tell me that there is nothing wrong with my credit. However, when I check my credit score on various platforms, there is no information available. Furthermore, I have been locked out of my XXXX and XXXX accounts as well. They are reporting my score and credit activity, but I am unable to access or use my credit, and this has been an ongoing issue for quite some time. I am tried of being given the runaround, so I am asking for your help. Thank You

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I believe the account is invalid. MIDLAND CREDIT MANAGEMENT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

MIDLAND CREDIT MANAGEMENT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally dispute the presence of several accounts from LVNV Funding LLC on my credit report. These accounts do not belong to me, and I have never had any contact or financial dealings with LVNV Funding LLC. Despite my attempts to have these accounts removed by the credit bureaus, they remain on my report, negatively impacting my credit standing. 

The details of the disputed accounts are as follows : Creditor : LVNV Funding LLC Account Balances : {$3100.00}, {$3800.00}, {$11000.00}, and {$620.00} ( as recently reported ) Open Dates : Various Status : Collection I have disputed these accounts with the credit bureaus, yet they have refused to remove them despite my lack of association with LVNV Funding LLC. I request that the CFPB intervene in this matter and ensure that these fraudulent accounts are deleted from my credit report as they are inaccurate. 

Enclosed with this letter are copies of my credit report highlighting the disputed accounts, my identification, and any previous correspondence regarding these disputes. I kindly request a thorough investigation and immediate removal of these accounts from my credit file. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and provide an update on the investigation. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I formally disputed several inaccurate accounts on my credit report due to suspected identity theft. The disputed accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I identified multiple incorrect personal details, including names and addresses, that do not belong to me. 

Despite previous attempts to resolve these discrepancies, the accounts and erroneous personal information remained on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request verification and validation of these accounts. Specifically, I asked for documentation proving my authorization of the accounts, original contracts, payment histories, and evidence of the debt transfers. 

On XX/XX/2025, XXXX XXXX XXXX flagged my account as being in collections with a balance of {$170.00}, which I did not authorize. Additionally, an unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my Experian credit file for an installment loan or new bank account. 

I have requested the removal of all unauthorized inquiries and fraudulent accounts and demanded a written response within 30 days, as the FCRA prescribes. I have provided the necessary documentation to support my dispute, including government-issued identification and proof of address. I am awaiting the resolution of this matter and the removal of all inaccuracies from my credit 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