vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I sent this to them : My Formal Dispute of Loan Repayment Due to Unauthorized Third-Party Data Breach I am writing to formally dispute the repayment of my student loans due to a severe and unauthorized breach of my personal and financial information, which appears to violate the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. Recent investigative reporting from USA TODAY and The Washington Post has confirmed that XXXX XXXX Department of Government Efficiency (XX/XX/XXXX) has been granted unauthorized access to federal student financial aid databases, including the National Student Loan Database System ( NSLDS ) and the Common Origination and Disbursement ( COD ) System. 

The University XXXX California XXXX XXXX has already filed a lawsuit in federal court, accusing XXXX of illegally infiltrating systems that house personal financial aid records. A U.S. Department of Education employee has further confirmed that XXXX team has viewed sensitive financial data of students receiving federal aid. These actions represent a clear violation of FERPA, which mandates that student records can not be accessed without explicit consent, as well as a potential breach of federal regulations governing student loan agreements. 

As a borrower whose financial data has been unlawfully accessed, I believe this compromises the integrity of my loan agreement. If my contract states that unauthorized third-party access voids repayment obligations, then this breach has rendered my agreement unenforceable. I demand the following immediate actions : 1. Formal confirmation from XXXX regarding whether my financial records were accessed or compromised due to this unauthorized breach. 
2. Immediate cancellation and discharge of my student loan debt on the grounds that the agreement has been violated by external interference. 
XXXX. A written response within 30 days outlining the steps being taken to protect my financial information and ensure compliance with federal privacy laws.

If this request is not addressed, I am prepared to escalate this matter through legal action, including joining any class-action lawsuits that may emerge in response to this breach. I will also be filing formal complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) to investigate this violation of my rights under federal law.

Please respond to this letter as soon as possible to confirm receipt and outline the next steps. If you require additional documentation, I am happy to provide supporting evidence. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-09 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: NC

Complaint narrative:
Per FERPA Act, my personal, private, and sensitive information was BREACHED by XXXX XXXX and hisXX/XX/XXXX team. This access was unauthorized and not granted permission. I have attached proof on this complaint and I want to dispute ALL of my federal student loans the amount is {$33000.00}, because of this nationwide breach. This data breach taken place on XX/XX/2025. These actions affected the website of federal student aid https : //studentaid.gov/ on XXXX2025-0present. I will be placing a lawsuit towards these individuals as well for using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Data breach 72 inquiries TransUnion XXXX XXXX XXXX XXXX did not give a 1099 since debt discharged

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 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My package was never delivered to me as I was far away at a doctors appointment during the time the driver reported that I signed for a package, but somehow it was still left outside. I disputed this with capitalone, but they did not help me although I provided proof that it was stolen and I was never home to sign for the package. They have given me the run around and haven't investigated. This is the norm with capitalone. They refuse to protect or help me even though I have proof and have been fighting this since last year They continue to charge finance charge when I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
They had all wrong information ; third party is not updating account. Adding extra fees and reporting late fees on a paid off account. Wrong address and account number is also listed incorrect.

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 2025-02-09 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: PA

Complaint narrative:
They had all wrong information ; third party is not updating account. Adding extra fees and reporting late fees on a paid off account. Wrong address and account number is also listed incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just received a letter from Wells Fargo about an application in my name for a deposit account. Today is Sunday so I can not contact Wells Fargo. I have never done business or dealt with Wells Fargo ever, except in XXXX when someone fraudulently tried to open an account in my name. Be aware I have never, and will never do business with Wells Fargo.

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 2025-02-09 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed a fraudulent collection. I do not know anything about these charges or the address listed. The account is from XXXX XXXX XXXX for 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle was linked to my bank account withXX/XX/XXXX. Ive hadXX/XX/XXXXsince 2014 I had no reason to question anything on theXX/XX/XXXX, my whole family usesXX/XX/XXXX 

When Zelle was added to the mobile banking it had no warning that I would be able to get my money back once sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
There are several addresses listed on my reports that should not be there.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Due to the breach and compromise of my personal and financial information, I request immediate cancellation and discharge of my student loan debt in full. This violation of FERPA breaches your responsibility to protect my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
I tried to reach out to speak with a cash app representative, but there was no customer service number to be called for the issue I was trying to get resolved. I needed to dispute and money transfer, but was unable to get in contact with anyone. That put me in a very bad position of inconvenience. I really needed to dispute the charges or the money transfer because it affected my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report. The following accounts contain inaccurate information and should be removed immediately : Creditor : Sunrise Credit Service Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account {$670.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$670.00} ( Updated on XX/XX/XXXX ) Original Balance : {$670.00} Creditor : XXXX XXXXXXXX Balance Updated On : XX/XX/XXXX Past Due Amount : {$25.00} Creditor : XXXX XXXX XXXX XXXX On : XX/XX/XXXX Past Due Amount : {$56.00} Creditor XXXX XXXX XXXX XXXX Balance Updated On : XX/XX/XXXX Past Due Amount : {$38.00} Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} These accounts contain inaccurate and/or unverifiable information that is negatively impacting my credit profile. I have previously attempted to resolve these discrepancies with the credit reporting agency, but my concerns were ignored or dismissed without proper investigation. 

Given the CFPBs recent lawsuit against XXXX for conducting sham investigations of credit report errors, I am concerned that my dispute is not being handled in compliance with the Fair Credit Reporting Act ( FCRA ). The CFPBs legal action against XXXX ( filed [ insert date of lawsuit ] ) exposes a widespread failure by credit bureaus to investigate consumer disputes properly. Based on this, I am formally requesting an immediate and thorough investigation into these erroneous accounts and demand their removal from my credit report. 

Enclosed, you will find supporting documents, including a copy of my credit report highlighting these disputed accounts, as well as my identification for verification purposes. Please confirm receipt of this dispute and provide timely updates regarding its resolution. I expect full compliance with the FCRA and CFPB guidelines, and I will take further action if my rights continue to be violated.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XX/XX/XXXXBalance {$620.00} Updated on XXXX XXXX, 2025 XX/XX/XXXX XXXX Balance {$1100.00}XX/XX/XXXXXXXX Balance {$1700.00} XX/XX/XXXXXXXX Balance {$350.00} XXXXXX/XX/XXXXXXXX Balance {$1500.00} XXXX Balance {$55.00} Updated on

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 2025-02-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Subject : Unauthorized Disclosure of Student Loan Data to Third-Party Vendor Dear CFPB, I am writing to file a complaint regarding the potential unauthorized disclosure of my personal and financial information related to my student loans. My concerns are as follows : 1. The Department of Education ( DOE ) has allegedly granted access to sensitive borrower data, including Social Security numbers and income details, to a third-party vendor, XXXXXX/XX/XXXX 's Department of Government Efficiency ( XXXX ), without my explicit consent. 

2. This disclosure appears to violate my privacy rights and potentially the Family Educational Rights and Privacy Act ( FERPA ).

3. I have not been informed about or consented to this sharing of my personal and financial information with DOGE.

4. The arrangement between the DOE and XXXX lacks transparency, and there are concerns about compliance with privacy laws. 

Specific details : - My loan servicer : [ Your loan servicer 's name, e.g., XXXX ] - Account number : [ Your account number ] - Date I became aware of the issue : [ Date ] I request that the CFPB investigate this matter to determine : 1. Whether the DOE 's disclosure of student loan data toXX/XX/XXXX complies with all applicable consumer protection and privacy laws. 
2. If proper safeguards are in place to protect borrowers ' personally identifiable information.

3. Whether borrowers were adequately informed and given the opportunity to consent to this data sharing.

I ask that appropriate action be taken to protect borrowers ' privacy rights and ensure compliance with all relevant regulations.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation