vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Student Loan Obligations Due to Data Breach and Privacy Violations under FERPA and Title IV To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my federal student loan obligations serviced and/or originated by the U.S. Department of Education ( DOE ) and associated loan servicers. This dispute arises from a recent data breach involving DOGE ( Department of Government Education ), which compromised sensitive personal and educational data belonging to student borrowers, including myself.

This breach represents a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), codified under 20 U.S. Code 1232g, and regulations implementing Title IV of the Higher Education Act of 1965, codified under 20 U.S. Code 1070 et seq.

Grounds for Dispute : 1. Violation of FERPA ( 20 U.S.C. 1232g ) : Under FERPA, educational institutions and agencies receiving federal funds are required to protect students education records and personally identifiable information. The recent breach constitutes a failure to maintain appropriate security and confidentiality safeguards, resulting in the unauthorized disclosure of my private data. 

XXXX. Violation of Title IV Requirements : Title IV of the Higher Education Act governs federal student financial aid programs. As a condition of participation, institutions must adhere to all federal privacy and data protection regulations. The breach indicates non-compliance with statutory and regulatory conditions for federal financial aid, calling into question the legal enforceability of loan agreements formed under such noncompliance.

3. Material Breach of Contractual and Statutory Obligations : The U.S. Department of Education and/or its servicers failed to uphold their legal duty to safeguard borrower information. This breach of fiduciary responsibility undermines the integrity of the loan contracts and may render them voidable. 4. Consumer Harm and Privacy V
iolations : I have suffered, and may continue to suffer, from identity theft risks, loss of privacy, financial exposure, and emotional distress as a result of the DOGE data breach. These harms are directly attributable to the Department of Education 's failure to comply with FERPA and Title IV. 

I am submitting this dispute under my rights as a consumer and borrower, and request that my complaint be entered into the official record. Please treat this matter with the utmost urgency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
On Wednesday XX/XX/year> I booked a ride with XXXX to XXXX XXXX. I did a wait and save. The ride was supposed to be {$68.00}. I seen that Cash app had a promotion where if you booked through them on the XXXX XXXX  you will get 20 % off. With that said I sent to my XXXX XXXX account and transferred over {$70.00} to cash app. Then I Booked the ride for {$68.00}. On Thursday I received a text from Cash App saying my account is in a negative. Which should be impossible cause the ride was for XXXX and I was supposed to get 20 % off. Not only did I not get the 20 % off and my account was in negative, the fare went up to {$71.00}. I reached out to XXXX. They refunded me back {$2.00}. Cash App took the money for the negative. When I called them they told me I had to call the merchant yet the merchant already refunded back the money and cash app took it. Cash app owes me {$14.00} and I want my money. This is not a XXXX  problem this is a cash app problem. They wont take accountability. The ride from XXXX was XXXX % XXXX and when XXXX over charged me for XXXX XXXX XXXX lets do the math even it they went up to XXXX % XXXX XXXX which means Cash app owes me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I am submitting a formal complaint against state collection services for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and South Carolina consumer protection laws. 1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent. XXXX XXXX XXXX has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law. 2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection. State collection service has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. 3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance. Isn't medical debt not aloud to be used on your credit report anymore? That's over half of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: MI

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. 
XXXX XXXX XXXX XXXX XXXX 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
after a recent check on my credit report i notice i had fraudulent account.i do not recognize this account.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting this formal complaint regarding the ongoing restriction and unjust locking of my Cash App account. I am a XXXX XXXX XXXX XXXX who has built a successful and trusted business, and I am deeply disturbed by the lack of communication, support, and accountability Ive received from your platform. My account has now been locked for almost a month with XXXX in my balance and I have been denied access to withdraw my funds or continue my business that I rely on to support my family. 

After discovering that my account had been compromised, I was relieved to learn that no funds had been withdrawn due to the restriction. Once I regained limited access, I was immediately asked to submit documentation to confirm that I am the rightful owner of the account. I fully complied and provided all the necessary documents through the appropriate channels, and I also completed identity verification through the app. 

A Cash App manager assured me that the matter would be resolved within 10 business days. That timeframe has long passed, and I have received no further communication, no updates, and no resolution. My account remains locked, and my funds remain inaccessible. 

Let me be absolutely clear : I have not violated Cash Apps terms of service. 
I have not engaged in any suspicious or fraudulent activity. 
I am being unfairly penalized, and XXXX XXXX XXXX XXXX XXXX as a result. 

Because of this situation, Ive been forced to move my clientele to another payment platform, which has led to significant financial loss and disrupted trust. I am also struggling to pay bills and provide for XXXX XXXX XXXX XXXX XXXX, who depend on me daily. 

If this issue is not fully resolved within seven ( 7 ) calendar days, I will be pursuing legal action. The longer this matter remains unresolved, the greater the financial damages, all of which will be documented and included in the lawsuit I will file. 

Furthermore, I will file formal complaints with the XXXX XXXX XXXX XXXX XXXX ) and the Consumer Financial Protection Bureau ( CFPB ), and I will continue to pursue every avenue necessary to ensure that my rightsand the rights of other small business ownersare protected. 

Cashtag - XXXX Email attached - XXXX I AM NOT MAKING THIS COMPLAINT IN REGARDS TO THE AGREEMENT BETWEEN CASHAPP AND THE CFPB WHERE CFPB ORDERED CASHAPP TO PAY CUSTOMERS. I AM FILING THIS COMPLAINT BECAUSE I HAVE A BUSINESS TO RUN AND FUNDS IN MY ACCOUNT THAT NEED TO BE WITHDRAWN AND CASHAPP ISNT ALLOWING ME TO WITHDRAW OR CONTINUE RUNNING MY BUSINESS MY ACCOUNT IS RESTRICTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone has been coming to my fianc house almost everyday in the past week. Says he is serving me papers, leaves a ripped sheet XXXX  code on the door while my fianc is at work. Claims that I am being sued. He shows up all hours of the day, morning and night to deliver crumbled papers. My fianc is home when the man stops by again, he asks for my name, and then just leaves the crumbled papers with my fianc. The papers state I am being sued my Midland Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX Collection amount : {$5600.00} Reviewed my credit and saw a collection amount of {$5600.00} reporting from the above company. 
No idea of debt or any agreement with said company. 
See screenshot attached. 
Company needs to send me proof via mail that I am in debt contract with them or remove account from collections.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had made a transaction for {$5000.00}. They said the transaction did not go through and they still charged it to my account. They will not permit the money back into my account as their services says they will on their online reviews. It has been almost XXXX weeks since the transaction. Has been made little to no changes are happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I disputed a hotel reservation after we declined the room. The charge is XXXX. The room was dusty and the bathroom was dirty as well. I contacted the bank immediately while talking to the hotel staff so they could hear for themselves the hotel informed me they're going to let someone else occupy the room, therefore, they received money from us and another family for the same room. I sent in photos of the dust and how the bathroom was dirty. The hotel staff lied about us taking a bath, which is why they said we won't be refunded ( they did refund the second room we had, they both looked the same ). They have XXXX everywhere and you can see we left all of our luggage in the car. How would we bathe? How did we take a bath, with no towels touched? No water in the tub? The bank is stating they've exhausted all options, however, I find this to be untrue. I hardly use this card because this bank will allow anyone to rip you off. How is it possible for us to occupy two hotels at once? 

Another issue I'm having is the case was closed without the bank informing me they sided with the other bank. I received nothing in the mail nor the message system in my online banking account. In XXXX, I was hit with a {$180.00} charge out of nowhere. We are a military family who stuck with this bank for 16+ years. We've gone through the same situation for over a decade. Hold them accountable. How can they make a decision outside of the expiration date of the dispute?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
To whom it may concern my information was exposed in the Equifax data breach. With this exposure there were serval fraudulent accounts open in my name including bank accounts. I have disputed the item before and an investigation was done with the information coming back as fraudulent and deleted from my credit file .As of XX/XX/year> the creditor requested this item be put back on my credit file. My rights are being violated under XXXX this item should have been removed and blocked. I have contacted each credit agency and the creditor XXXX XXXX XXXX  ) requested a full investigation. This should not be a 30 day dispute it should be a XXXX day investigation under XXXXI have submitted documents through certified mail to support my claim.

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 2025-04-12 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: GA

Complaint narrative:
To whom it may concern my information was exposed in the Equifax data breach. With this exposure there were serval fraudulent accounts open in my name including bank accounts. I have disputed the item before and an investigation was done with the information coming back as fraudulent and deleted from my credit file .As of XX/XX/year> the creditor requested this item be put back on my credit file. My rights are being violated under XXXX this item should have been removed and blocked. I have contacted each credit agency and the creditor XXXX XXXX XXXX  ) requested a full investigation. This should not be a 30 day dispute it should be a XXXX day investigation under XXXXI have submitted documents through certified mail to support my claim.

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 2025-04-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance {$0.00} & XXXX XXXX XXXX Balance {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance {$0.00} & XXXX XXXX XXXX Balance {$32000.00}

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: InDebted Corporation
State: FL

Complaint narrative:
Indebted on behalf of XXXX XXXX also known as XXXX XXXX XXXX disclosed personal account and balance details about my alleged debt to a third party without my permission, in direct violation of the FDCPA. This communication was sent via text message on XX/XX/year>. I am requesting a formal investigation and removal of the account from my credit report. I did not give this company permission to communicate with any other third party and they did not verify they were speaking with me prior to disclosing the alleged account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid Sofi XXXX {$73000.00} At some point Sofi stopped servicing with XXXX and became just Sofi. 
Since Sofi XXXX has my money, Sofi has continued to charge me monthly payments and my interest is growing.

I spoke with several Supervisors of both
Sofi and Sofi XXXX regarding the issue and I was told my situation would be escalated. It is now XX/XX/XXXX and I am still being charged monthly payments of my loan. 
On XX/XX/XXXX XXXX stated they mailed a check to Sofi of my payment amount. 
On XX/XX/XXXX Sofi stated they never received the check. XXXX refused to give me any further information regarding the check in terms of the address it was sent to. 
XX/XX/XXXX XXXX ACH electronically the funds to Sofi. XXXX refused to give me any further information again regarding a confirmation number for my records. 
XX/XX/XXXX Sofi has still not received my money and continues to tell me to reach out to XXXX, and XXXX continues to tell me to reach out to Sofi.

Both companies have stated they will backdate my loan to the date of original payment ( XX/XX/XXXX ) in order to negate any interest, as well as refunding me all of my minimum monthly payments made in order to protect my credit score.

My account information with Sofi XXXX is now no longer available

Company response to consumer: Closed with explanation