vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: NC

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.

Also Privacy Act of 1974, as amended, 5 U.S.C.C.S 552a.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Date : XX/XX/XXXX Name of Credit Bureau Street Address, City, State & Zip Code of Credit Bureau Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. Inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name :XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX inquired on XX/XX/XXXX Creditor Name XXXX Inquiry Date : XXXX XXXXXX/XX/XXXX inquired on XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action on this issue. 


Sincerely, 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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Education Rights and privacy Act ( FERPA ) protects the confidentiality of my student records. This breach is a clear violation of FERPA and your responsibility safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for Citibank and they have been the hardest most confusing bank ever to deal with. I would never bank with them again. I ended up getting a card and a checking account with them and after I spent a couple of things on the car for a whole month my car got blocked. I have called multiple times talk to multiple supervisors and they have said they will send out a letter 5 to 10 business days to verify my account, which is ridiculous because you cant have access to your funds until that letter comes no other bank does stuff like that so I was really confused. Then they are so rude and dont even try to help you out and they actually hang up in your face. Its the most annoying bank to have stay away.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My personal and financial information was comprised without my authorization. The Family Education Rights and Pruvacy Act ( FERPA ) protects the confidentiality of students records.

This breach is a clear violation of FERPA and your responsibility to safe guard my information.

Given the severity of this breach and resulting comprise of my personal information.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/2025 XX/XX/XXXX XX/XX/XXXXXXXX XXXX Subject : Dispute of Inaccurate Account Request for Removal Dear [ CFPB ], I am writing to formally dispute an inaccurate account appearing on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX has already removed this account from my credit report, and I am requesting that Experian & TransUnion do the same. I have attached a copy of my XXXX credit report confirming the removal. Since one credit bureau has determined that this account should not be on my report, I believe it should be removed from all three credit bureaus. 

I am requesting that you investigate this matter and remove the account from my credit report. Enclosed are copies of relevant documents, including : A copy of my ID ( drivers license or passport ) Proof of address ( utility bill, bank statement, etc. ) A copy of my XXXX credit report showing the account removal Please complete your investigation within the timeframe required under the Fair Credit Reporting Act ( FCRA ). If the account is not removed, please provide me with documentation verifying the accuracy of this account. 

Thank you for your time and assistance. Please send your response to the address listed above. 

Sincerely, 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 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
They sent the information back as verified. No documentation was returned. Never noting how the information was verified.

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding the unauthorized disclosure of my personally identifiable information, SSN. Elon Musk and his employees, who are not federal personnel, had access to my personal information in violation of federal privacy laws. I am requesting immediate corrective action.

Details of the Dispute Unauthorized Recipients : Elon Musk and his employees ( non-federal workers ) Nature of Violation : My personal information was improperly disclosed and accessed without my consent, violating my privacy rights under federal law.

Laws Violated This unauthorized disclosure is a direct violation of : 1. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Requires credit bureaus to protect consumer data and limit disclosure to permissible purposes.

2. Gramm-Leach-Bliley Act ( GLBA ) [ 15 U.S.C. 6801-6827 ] Mandates financial institutions, including credit bureaus, to ensure the confidentiality and security of consumer data.

3. Federal Trade Commission Act ( FTCA ) [ 15 U.S.C. 45 ] Prohibits unfair and deceptive business practices, including failure to safeguard consumer data.

4. **Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C

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: Block, Inc.
State: NC

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. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name and social security no. / private identity information has been EXPOSED IN THEIR DATA BREACH. 
Causing me, LOST OF EMPLOYMENT OPPORTUNITIES / JOBS / FINANCIAL DENIALS/ WITHDRAWAL OF HOUSING - HOME PURCHASES, BY FUNDERS. THIS DATA BREACH, HAS REPORTED INCORRECTLY ONTO MY CREDIT FILES, CAUSING ME, TAX DEBTS, WHICH ARE NOT MINES. LOST OF HOUSING BC OF INCORRECT INFORMATION AND / NOT MY INFORMATION. I HV EVEN HAD DENIALS ON STUDENT / EDUCATIONAL LOAN TO RETURN XXXX SCHOOL. HOME LOANS DENIED. I NEED AND WANT ALL OF THIS WRONGLY / INCORRECT INFORMATION REMOVED OFF MY CREDIT FILE / EMPLOYMENT FILE / TAX FILES BOTH STATE AND FEDERAL IMMEDIATELY. THIS IS CRIMINAL TO DO THIS, PUTTING ALL THIS INCORRECT / WRONGFUL DEBTS ONTO ME.

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: EQUIFAX, 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 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 is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe, as referenced in your communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the debt : The Amount of the Debt : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges. 
Proof of the Debt : Please provide documentation that shows I am legally obligated to pay this debt, such as a copy of the original purchase agreement or any relevant account statements.

Verification of Your Authority : If you are a collection agency, please provide evidence that you have the legal right to collect on this debt.

Application of Payments : If any payments have been made on this debt, please provide a history of those payments and how they were applied. 

Please provide this information within 30 days of receiving this letter. During this time, I request that all collection activities cease until the requested documentation is provided. 

If you are unable to provide the necessary validation, I expect this debt to be deleted from my records and any reporting agencies you may have contacted. 


Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: VA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

According to 15 USC 1681s-2, they are not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2025-02-09 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: VA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

According to 15 USC 1681s-2, they are not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
yesterday at around XXXX on XX/XX/XXXX i had received a text from chase saying there was a fraud alert of someone trying to buy something from XXXX  in XXXX at XXXX XXXX XXXX XXXX so i checked my checking account and seen that they had taken all my money more than XXXX $ and at first Chase said they denied the charges but thats false because they all went through and they even withdrew XXXX $ i had called chase right away. I dont know how this happened i had my card with me all day that day and today i still have it. I live in illinois I have never been to XXXX.

Company response to consumer: Closed with explanation