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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 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: 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 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: DC

Complaint narrative:
MY DEBT WAS PAID IN FULL TO ED FINANCIAL I HAVE A LETTER STATING THAT IS WAS PAID IN FULL AND THEY REFUSE TO UPDATE THE RECORD TO REFLECT THAT ITS PAID IN FULL AND ED FINANCIAL ALSO KEEPS EMAILING ME TO PAY A DEBT THAT HAS ALREADY BEEN SATISFIED.

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: CA

Complaint narrative:
I am submitting a formal dispute regarding the unauthorized disclosure of my personally identifiable information, SSN. XXXX XXXX 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 : XXXX XXXX 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 their 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 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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

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 their 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 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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

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 their 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 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: GA

Complaint narrative:
I am formally disputing the validity of the student loan debts associated with my name. Due to recent events involving unauthorized access to student loan data, I have reason to believe that my personal and financial information has been compromised. As a result, I am requesting the immediate discharge of these loans and the removal of any related negative information from my credit report. 

The unauthorized access constitutes multiple violations of federal law, including but not limited to : Title IV of the Higher Education Act ( HEA ) Institutions and loan servicers managing federal student aid are legally required to safeguard borrowers financial data. A failure to secure this information constitutes noncompliance, rendering these loans unenforceable. 

The Family Educational Rights and Privacy Act ( FERPA ) My student records, including financial aid information, are federally protected from unauthorized disclosure. This breach violates my rights under FERPA.

The Privacy Act of 1974 Federal agencies and affiliated institutions must protect individuals ' records from unauthorized access and misuse.

The Gramm-Leach-Bliley Act ( GLBA ) Financial institutions, including student loan servicers, must maintain strict data security protocols. Any breach suggests noncompliance with federal regulations.

The Fair Credit Reporting Act ( FCRA ) If my student loan data has been accessed, altered, or misused, any inaccurate reporting must be corrected, including the immediate removal of these debts from my credit report. 

Due to these federal violations, I demand an immediate discharge of all affected student loans. Given that my information was improperly accessed, these debts should be considered invalid and unenforceable. The failure to uphold federal data protection laws has compromised the integrity of my loan records. 

If you deny this request, I demand a detailed legal justification explaining why the breach of my personal and financial data does not warrant full loan cancellation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally required to investigate this dispute within 30 days. If these debts can not be verified as valid, compliant with Title IV, and unaffected by unauthorized access, they must be removed from my credit report.

Please consider this letter my formal dispute and request for immediate loan discharge. I expect a response within the legally required timeframe. If you require further information to process my request, please contact me immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested that since I was never informed about my account being delinquent, I made my payment upon finding out but my card was closed and even though I made a payment for XXXX, it was reported as late to the bureaus and my credit score has fallen. I have never had a late payment since moving to the U.S. in the XXXX. My credit has been otherwise stainless. Bank of America has basically gouged me for fees and make it incredibly hard to set up autopay on a their website. I am hoping you can advise me on a class action in regards to the same if there exist others with the same issue. I dont believe I am alone in my frustrations with this bank. 

I have recorded the call with the agents permission and you will see she does little to help. I asked her the best way to move remaining money from my account and I asked her about my debit card pin, which she was extremely unhelpful about. I feel like publishing it on XXXX would be the way to go if there is no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access and disclosure of my financial records. I believe my FERPA rights were violated by an entity affiliated with XXXX XXXX or a corporation associated with his name. Specifically, on XX/XX/year>, my financial records were accessed and/or disclosed without my consent. 

This disclosure was neither authorized by me nor permitted under FERPAs exceptions. The unauthorized access to my sensitive financial information is a serious violation of my privacy, and I am deeply concerned about the implications of this breach. 

I respectfully request a formal investigation into this matter to determine how this violation occurred and what corrective measures will be implemented to prevent future incidents. Additionally, I would like to be informed of any available remedies under FERPA to address this breach of my rights. 

Please let me know if any further information is needed. I appreciate your immediate attention to this matter and look forward to your response.

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: NC

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access and disclosure of my financial records. I believe my FERPA rights were violated by an entity affiliated with XXXX XXXX or a corporation associated with his name. Specifically, on XX/XX/year>, my financial records were accessed and/or disclosed without my consent. 

This disclosure was neither authorized by me nor permitted under FERPAs exceptions. The unauthorized access to my sensitive financial information is a serious violation of my privacy, and I am deeply concerned about the implications of this breach. 

I respectfully request a formal investigation into this matter to determine how this violation occurred and what corrective measures will be implemented to prevent future incidents. Additionally, I would like to be informed of any available remedies under FERPA to address this breach of my rights. 

Please let me know if any further information is needed. I appreciate your immediate attention to this matter and look forward to your response.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access and disclosure of my financial records. I believe my FERPA rights were violated by an entity affiliated with XXXX XXXX or a corporation associated with his name. Specifically, on XX/XX/year>, my financial records were accessed and/or disclosed without my consent. 

This disclosure was neither authorized by me nor permitted under FERPAs exceptions. The unauthorized access to my sensitive financial information is a serious violation of my privacy, and I am deeply concerned about the implications of this breach. 

I respectfully request a formal investigation into this matter to determine how this violation occurred and what corrective measures will be implemented to prevent future incidents. Additionally, I would like to be informed of any available remedies under FERPA to address this breach of my rights. 

Please let me know if any further information is needed. I appreciate your immediate attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation