vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have attached the communication with ally car loan. I chose to use online chat for the purpose of having records due to misfortune of heresay. 
I was alerted that I was 4 days past due on loan payment. The loan amount at beginning was XXXX. The account claims that it is now XXXX. My first bill was due XX/XX/XXXX. As shown in my bank statements I have been making payments weekly to be sure I am caught up before or by the due date. All together I have paid {$710.00} ( +change ). Ally claims I have only paid {$330.00} ( and change ). Weeks before XX/XX/XXXX due date I went on to make sure I was caught up. What I saw was XXXX due XX/XX/XXXX. So when I was alerted XX/XX/XXXX, I discover the acct claims I am delinquent {$350.00}. As shown in transcript I tried to get to the bottom of this to no avail. They were not able to tell me where missing money is. My account statements are irregular, do not show all I have paid. My interest rate is 9.64 % but that should not matter considering that small amount is calculated into monthly payment YET, This is part of the reasoning I was given by representative. I demanded a full statement showing evidence of money allocation. As seen I was told 1-2 days. I have yet to receive. They have started to make calls to my cosigner, more than one a day. Asking him for his SS. Which is uncomfortable considering come to find out this company recently had a breech. I am at a loss not just of {$380.00} but of a way rectifying where I feel safe and comfortable moving forward considering I am liable of credit hits if I don't cough up {$350.00} by the deadline they have given me. Plus late fees. Because this is an online lender there is no place I can walk into and speak to a creditable person who understands. As seen in transcript I was directed to a " supervisor '' but from what I experienced I believe he is a supervisor of the employees but knows as little as they do bc they are an answering service working from home. If I had the choice originally, I would not have chosen an online lender. This was through a car dealership. If I tried to change lenders I would have credit hit and potential rise in interest rate. No matter how I look at it I am the one to lose out and seem to be the only one who is being held accountable or responsible when this shouldn't be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Credit Control, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am not liable for this debt, I do not have a contract with Credit Control and they did not provide me with the original contract as i requested

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 2025-03-13 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: LA

Complaint narrative:
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. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
XX/XX/year> approx. XXXX ; XXXXp.m.The final step ( s ) in application is using a webcam to scan my govt I.D . ( do not have a smart phone ) and then afterwards scanning a photo to compare the two. Tried two customer people neither of whom did not have enough command of English language to instruct me on how to accomplish this final task. My application was approved for {$500.00}. When I asked for tech support to complete application, was told it wasn't available for applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
I am submitting this formal complaint regarding the improper access, use, and potential breach of my student loan records, which have directly impacted my credit report and financial security. Recent reports indicate that unauthorized individuals, including XXXX XXXX have gained access to Department of Education records. This raises serious concerns regarding the security, accuracy, and lawful use of my personal and financial data.

Nature of My Complaint : 1. Improper Use of My Credit Report My student loan data has been accessed, shared, or manipulated without my consent.

This unauthorized access constitutes a direct violation of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and Fair Credit Reporting Act ( FCRA ).

2. Failure to Safeguard My Loan and Credit Data Due to potential unauthorized access to the Department of Educations records, I can no longer verify the legitimacy or accuracy of my student loan information. 

The lack of proper safeguards has resulted in a breach of my personally identifiable information ( PII ), exposing me to financial risk and credit reporting errors.

3. Negative Impact on My Credit and Financial Standing Any unauthorized inquiries or data breaches affecting my student loan records may have led to adverse effects on my credit score.

The unlawful access to my records undermines the legitimacy of my debt and places an undue burden on me to correct or dispute information that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 proce 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 XXXX  financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Unauthorized Access to Private Loan Data by DOGE Agency Request for Resolution.

I am writing to formally report a violation of my financial privacy rights regarding the unauthorized access of my student loan records by the DOGE agency. This breach invalidates the protections and legal safeguards established to ensure the security and confidentiality of personal financial data.

It has come to my attention that the DOGE agency accessed my private loan information without my knowledge or consent, which constitutes a serious violation of data privacy laws and federal protections. Given this unauthorized action, the integrity of my loan agreement has been compromised, and any continued enforcement of its terms is unjust and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I filed a dispute due to accounts opened fraudulent.. they denied to follow up with the investigation, I was notified that CFPB has filed a lawsuit against the company they alleged the company of accepting unreliable information, failure to notify cosumer Dispute results, this aligns well with my situations, experian has not attempted to remove or correct any information, Im requested all derogatory marks and hard inquiries that I did not agree to to be removed or corrected immediately, it is affecting me XXXX XXXX XXXX XXXX XXXX ) of gettn a home, car and anything else we need I WOULD LIKE ALL REPORTS TO BE REMOVED IMMEDIATELY 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 2025-03-13 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:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-03-13 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: NY

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding a significant violation of my privacy. I believe my private data has been accessed and stored on personal servers without my consent, potentially by XXXX XXXX or related entities. 

The specific violation I am reporting involves the Department of Education ( DOE ) and its potential misuse of my personal information. I have reason to believe that my private data has been improperly accessed through the Department of Educations systems and subsequently transferred or stored on personal servers that are allegedly under the control of XXXX XXXX or his associated companies. 

This unauthorized access and storage of my sensitive data on external, non-secure servers constitutes a severe breach of my privacy. I have not been notified or given any consent to such actions. Furthermore, I believe this may be a violation of federal privacy protections, including those outlined by the Family Educational Rights and Privacy Act ( FERPA ) and other applicable data protection laws. 

As a consumer, I expect my personal data to be treated with the utmost care and in compliance with all privacy laws and regulations. This violation has caused me significant distress, and I am requesting an investigation into this matter, along with appropriate actions to ensure that my personal data is no longer being stored or accessed without my permission. 
I respectfully request that the CFPB take immediate steps to investigate this matter and provide any guidance on how I can protect my personal information moving forward. I would also appreciate any assistance in ensuring that this violation is properly addressed and that I am notified of any corrective measures taken. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2025-03-13 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: GA

Complaint narrative:
I want to reported accounts removed. 
XXXX XXXXXXXX : Closed XX/XX/XXXX {$1600.00} XXXX  XXXX : Closed XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX Keeps calling threatening to garnish wages and to take me to court for a credit card that does not exist.

I contacted the alleged credit card company and no such account exists. All of my accounts with Capital One are paid or in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I made two purchases online at XXXX XXXX XXXX the first order was for {$74.00} and the second order amounted to {$100.00} both purchases were made XX/XX/year> I used my Cashapp account to pay for the supplies. After three weeks my order never came I contacted XXXX XXXX XXXX and they told me they do t accept Cashapp but they took the money off my account. I called Cashapp placed a dispute and let them know that I never received the items. XX/XX/year> I received a refund for one of the orders I placed but never received for the amount of {$75.00}. I had to calm at least 20 times both XXXX XXXX XXXX and Cashapp and Cashapp is hard to call because everything is virtual. I waited two more weeks never received the {$100.00} refund for the other order. I called and called both XXXX XXXX XXXX and Cashapp and put in two more disputes that were denied then finally Cashapp told me there is nothing they can do about my refund. Now its XXXX XXXX and I still have t received my refund yet.

Company response to consumer: Closed with explanation