vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
Subject : Complaint Regarding FERPA Violation and Unauthorized Access to Personal Data Dear [ Department of Education ], I am writing to file a formal complaint regarding a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). Specifically, I believe my personal information, including data related to student loans, has been accessed without my consent by external entities, including DOGE ( presumably referring to the cryptocurrency or associated platforms ) and individuals, notably XXXX XXXX, in ways that may breach FERPA protections.

As you may be aware, FERPA grants students and former students the right to control the disclosure of their educational records. The act ensures that educational institutions and their contractors can not disclose personally identifiable information without proper authorization. Based on recent information, I have reason to believe that there has been unauthorized access to my personal educational data and student loan information, possibly by parties not directly related to the Department of Education or the institutions that hold this information. 
I am concerned that my personal data has been accessed by third parties without my knowledge or consent, potentially violating both my privacy rights and the protections granted to me under FERPA. I request that the Department of Education investigate this matter urgently to ensure that my rights have not been violated and that corrective actions are taken.

Specifically, I request : 1. Confirmation of any access or sharing of my personal data, including student loan information, with external entities such as DOGE or XXXX XXXX 
XXXX. A detailed review of how this information was accessed, by whom, and for what purposes. 
XXXX. Immediate action to remove all student loan debt. Ensure my data is secure, and steps are taken to prevent any future unauthorized access.

4. An update on the Department 's investigation into potential FERPA violations and any corrective actions. 
Please consider this complaint an urgent matter, and I request a timely response with details on the steps the Department of Education will take to investigate this situation. 
Thank you for your attention to this important issue. I look forward to your prompt response.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv multiple amounts listed with different dates. XX/XX/year> with a {$XXXX} balance XX/XX/year> with a {$XXXX} balance and XX/XX/year> with a {$XXXX} balance since I have requested proof of debt with required signatures that they were allowed to purchase my debt from another company, which I have no knowledge of that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-02-27 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit collection agency has on more than one occasion called my cell advised it was a Law Firm trying to collect a debt I do not believe I owe. I requested a copy of the original signed credit card agreement and to date I have not received a copy of said agreement with the exact amounts paid or outstanding with interest and without interest. Also they are not a law firm to my knowledge but a collection agency, using false caller ID as a Law Firm..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FC HoldCo LLC
State: NY

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Outdated Accounts on Credit Report To Whom It May Concern, I am filing this complaint against [ Flagship credit acceptance ] account ( XXXX ) for violating federal and state debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and [ specific state laws, if applicable ]. 
I am writing to formally dispute outdated information that remains on my credit report in violation of federal law. Specifically, my credit report includes accounts that have been closed and show a zero balance for over five years. These accounts should no longer be reported as they are outdated and negatively impact my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from including negative credit information beyond the allowable reporting period. According to the FCRA : - Accounts that have been closed and paid in full with zero balance should not remain on my report beyond seven years if they contained negative information. 
- Positive, closed accounts can remain for up to ten years, but I request that these accounts be removed as they no longer serve any purpose in evaluating my current creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) assist in ensuring that the credit reporting agencies [ XXXX, XXXX, and/or XXXX ] immediately remove these outdated accounts from my credit report in compliance with the law. 

Enclosed, I have included copies of my credit report with the disputed accounts highlighted, as well as a copy of my identification for verification purposes. 

I kindly ask for written confirmation of the removal of these accounts within the 30-day timeframe prescribed by the FCRA. If this request is not met, I am prepared to escalate this matter as necessary to ensure compliance. 

Thank you for your prompt attention to this matter. Please provide me with updates regarding the status of my dispute via [ your email ] or [ your phone number ]. 

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Lendmark Financial Services
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Lendmark Financial ( XXXX location ) and spoke to XXXX XXXX, the Manager II, after my vehicle was repossessed on XX/XX/XXXX. I inquired about the amount owed, and to possibly gain possession of the vehicle and the vehicle location to collect my personal effects. XXXX XXXX was very unprofessional and verbally abusive, by shouting and making comments to humiliate, belittle, and denigrate me. Little to no effort was put into resolving the matter to either collect my belongings or the possible recovery of my vehicle. I was told the vehicle location was unknown and in a condescending, sarcastic way told the information would be put at the top of their priority list. When asked to speak to their Sr. I was promptly told that she was the manager. XXXX XXXX is a habitual violator of the FDCPA rules and regulations and uses methods of intimidation that no company employee should ever be acceptable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased some pottery in XXXX in XXXX. The company sent me the items in XXXX and none of them were the correct items and most were broken. I contacted the company and they agreed to remake them. When they remade them, they sent photos. They were wrong again and I told them not to ship. They shipped anyway. I then called my Chase credit card and described the situation. Chase specifically told me to deny delivery when the items came. I did that and the items are presumably back with the originating sender. Chase has now closed the dispute and charged me for the items they told me to refuse. I am requesting the {$2100.00} Chase improperly charged me. It was Chase who told me to refuse delivery. If they had not, I would at least have the wrong items and could presumably sell them. Because of Chase 's actions, I don't have the items and I am being billed {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates 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 requirements under 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX trades XXXX. ( XXXX ) I've been using them for almost a decade. Last week, there was an accidental duplicate deposit. XXXX XXXX ( my bank ) noticed this duplicate deposit into XXXX and stopped the XXXX transfer of Funds. XXXX  sent me an email that said that XXXX of the deposits was returned to my checking account, and I had XXXX hours to put the funds back into my XXXX account to make it current. The problem is, when I went back to my XXXX account that very same night, they had already Froze all my assets and all my XXXX which valued well over XXXX at the time. They froze all my assets on a fraud security concern from my bank. After 6 days of trying to communicate with XXXXXXXX  to UNFREEZE my account, they have not done anything. I did all they asked and sent a picture with case number. There is no response from customer service, and there is no access to any of my well over XXXX in assets. It remains frozen and not usable. 

They did all of this because of a XXXX cent duplicate bank deposit. 

Currently, I have no access to any of my assets. From what I've read online, they do this all the time to people and won't release the funds. This is FRAUD. I need your help to get my money from them.

They continually send emails requesting more information or information they say they never got even though I've sent it many, many times. Documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate XXXX XXXX Code XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX XXXX Code XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross XXXX on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.

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 2025-02-27 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:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate XXXX XXXX Code XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX XXXX Code XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross XXXX on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.

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 2025-02-27 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: MD

Complaint narrative:
I have been disputing incorrect information on my report for over XXXX months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accts are not my accounts they belong to my father.

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 2025-02-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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