vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
TO WHOM IT XXXX CONCERN ; DATE of XXXX XX/XX/year> This was an act of an employee from the XXXX store in XXXX Wv at the XXXX XXXX. 
I had used my XXXX 's card multiple times. On this particular day which is the same day the new card was applied for by the lady at the register. 
I had returned an item on XX/XX/year> and after returning it I had decided to purchase some kids clothes for my granddaughter because there was a sale. 
When I went to check out, the purchase would not go through using my existing XXXX 's account. I just had a return item refunded to my account. So the lady at the register took it upon herself to run a credit to apply for a new JCPenney credit card account. 
The lady told me that they must of closed my old account. I asked her what about the balance I owe? The lady said she didn't know but that I was approved for a new account. I don't believe she should have had me apply for a new account without asking me. She said " let me try something ''. She had me enter my SS number. I believed that purpose was to check the status of my existing card? So I thought. 
When I think she should of just called the toll free number to contact Synchrony bank and have me speak to them to ask why the purchase wouldn't go through. As I was standing there another customer had an issue and the lady at the register that was helping him had the customer speak to someone regarding his credit card. I didn't want this card. I paid it off and returned it to the financial company it came from and requested to have it closed. I already have XXXX and I've had it for many years. The lady took it upon herself to do this without actually asking me if I wanted to open a new account. I used the new card and then left. I went to my car and I was going to call the XXXX Synchrony XXXX number and tell them about what happened, I then noticed that I had an alert on my phone in regards to the purchase through my existing card that they were checking for fraud. Honestly I'm not happy with the way that the lady at the register did that. Taking it upon herself to run the information to apply for me a new XXXX card and she didn't tell me till after she did it. Acts like this could be potentially cause for a law suit. I do hope they are more aware of there actions when it comes to using a credit card.

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally address a serious concern regarding a potential violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974 that occurred in relation to my personal data confidential information.

As you may be aware, FERPA is a federal law that protects the privacy of student education records and ensures that educational institutions maintain the confidentiality of these records, only releasing them under certain conditions. Additionally the Privacy Act of 1974 establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

On XX/XX/XXXX I became aware of an incident where my confidential educational information was disclosed and or accessed without my consent. Specifically, unauthorized access or sharing students records failure to provide written notification of unauthorized access to my confidential information with XXXX XXXX data breaches involving protected student information This incident has caused significant concern, as it undermines the trust and security that is essential in maintaining a safe educational environment. I am requesting an immediate investigation into this matter to ensure that it does not happen again in the future and to assess any potential impacts it may have had on my educational rights.

Given the serious nature of this breach and its impact on my financial standing and potential my personal information be stolen and or breached, I respectfully request that my student loans be dismissed or that my loan status be reviewed for possible cancellation under the grounds of this data breach. My demands are as follows 1. A full review of my situation in light of the FERPA violation to assess how it has impacted my ability to responsibly manage or repay my student loans.

2. Consideration for loan forgiveness or cancellation based on the fact that the violation of my privacy rights were violated 3. Any possible financial relief or remedies that may be available to me due to this incident.

Please provide me with confirmation of receipt of this letter and an outline of the steps that will be taken in response to my request I would appreciate a response at your earliest convenience and no later than 10 business days after receipt of this letter. 
Thank you for your attention to this serious concern. I look forward to your prompt resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MI

Complaint narrative:
They repossessed my car on XXXX XXXX without permission I woke up. I see my car was going. I thought someone stole it and this was a Sunday. I did not get no notice anything now. I know that I was behind, but I was having finance hardship. They took my car somewhere that I did not know told me the price that I had to get it back. I was waiting till I get the money and Ill have the money and now they sold my vehicles with my personal information in there and I feel like it was wrong. I feel like I supposed to sue. I am XXXX and that was my transportation to get to my Appointment and take care of my children. I trade in another vehicle for a reliable vehicle for my vehicle to get repossessed over hardship that that is so wrong and report it to credit bureaus and they dont post to thats a lawsuit. Why is the lawsuit and the law 6 92C cease and desist in rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 2025-02-12 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2025-02-12 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2025-02-12 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 2025-02-12 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: NC

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 2025-02-12 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: MS

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MS

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

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 2025-02-12 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: VA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding an inaccurate item on my credit report that continues r negatively impact my credit. Despite my efforts to resolve this directly with the agency it has not yet been resolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
Nevertheless, this compensation is a violation of my rights and must be fixed immediatley and is a civil liability because I have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I requested an Income-Driven Repayment Plan with XXXX on XX/XX/year>. It was received by MOHELA on XX/XX/year>. It has not been processed yet. This is preventing me from making payments towards my student loans that can be counted towards Public Service Loan Forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$18000.00} XXXX XXXX - XXXX XXXX {$1500.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-12 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: FL

Complaint narrative:
It is completely unacceptable that an unauthorized inquiry suddenly showed up on my credit report today. I routinely check my report, and I was shocked to see this out of nowhere. Thinking it might be a system glitch, I refreshed my browser, but the inquiry was still there. I am beyond frustrated and need this to be fixed right away. I insist that the documents I submitted be properly reviewed so I never have to worry about this again.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Subject : Dispute of Incorrect Account Information Request for Removal To Whom It May Concern, I am writing to formally dispute an incorrect account listed on my credit report. The account in question is : Creditor Name : Cavalry Portfolio Services Account Number : amount : {$6900.00} Issue : The account is inaccurately reported as " open '' with an " open balance, '' while it is also reported as " in collections '' and closed. Both statuses can not be true simultaneously, and this discrepancy is negatively affecting my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate account be investigated and either corrected or removed entirely from my credit report. Please find attached supporting documentation, including a copy of my credit report highlighting the disputed entry. 

I kindly request written confirmation of the results of your investigation within 30 days, as required by law. If the account can not be verified or corrected, I ask that it be deleted from my credit file. 

Please contact me at the phone number or email listed above if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DriveTime
State: TX

Complaint narrative:
I receive a call from XXXX from drive indicating they did revive documents showing police report, identity theft. Etc That for me to send again to an email address. A repossession stays on your credit report for seven years from the first missed payment./ she indicates when the car went to auction that in ludes a payment from me.. So this is oblivious on the company part. This fraud/ I never posesin of the vehicle in 2017/ so its fraudulent on the company behalf to continue to put negative remarks thats not true. Send proof that I made a payment!!!! This negative mark can hurt your credit score and make it harder to get new loans. The seven-year countdown starts on the date of the first missed payment!!! Not an auction. I want to be compensated. This mentality draining. I have proof of that too. Im taking medication ) This company need to be reported to committed fraud and a scam.Texas attorney general office and XXXX They calling my number which I did not give them my number nor my address. The other worker who I reached out too seen the mistake. I never purchased this vehicle. I do not drive .Thats whats even more hurtful. Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2025-02-12 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: AZ

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX  Employers : XXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 
As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-12 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 account listed on my credit report are not mine and was not authorized by me : XXXX  ... .Account number 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