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 — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the, protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information both have breach contractual terms and obligations, rendering these debts unenforceable.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX / balance {$700.00}. XXXX / balance {$610.00}.

Company response to consumer: Closed with explanation
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: TN

Complaint narrative:
my personal and financial information was shared with an outside entity without my knowledge or consent. The Acting Secretary of education gave " DOGE '' access to 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: 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Hello, I was reviewing my ChexSystems report for accuracy and noticed some inquiries and an address that I do not recognize. I have not given anyone permission to apply for accounts in my name and did not authorize these companies to access my report. I am also filing this CFPB complaint to request that ChexSystems, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. Please remove these inquiries listed below immediately. 

FRAUDULENT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX entered a class action lawsuit in XXXX where they were found to have been practicing predatory loans to consumers based off of demographic. 

They were found guilty of having the hopes that this demographic will default on there loans and were responsible for providing XXXX XXXX in relief to consumers who received a loan from them. My state of Maryland was listed in the lawsuit of being due just cause for the transgressions. 

I received a loan from XXXX in XXXX having no employment and only having income that was no match for the demands of the contract. As they expected the contract went awry and they quickly took the vehicle back and charged off the account. 

I am requesting the deletion of this account as I was definitely a consumer who not only was violated due to the COVID CARES act but also a victim of the class action lawsuit which included my account and it should not be reported across XXXX, Transunion or XXXX. 

Furthermore, I disputed this account and received a simple " verified '' from these bureaus. They did not investigate and observe that the late payment reporting is incorrect, charge off information differs across the bureaus, they didn't consider the CARES ACT for excuses the debt, and they did not consider the class action lawsuit against XXXX. 

According to consumer law, we consumers are due the utmost complete reporting and these bureaus have failed across the board in doing so. I request this reporting with XXXX is removed immediately.

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: LEXISNEXIS
State: AZ

Complaint narrative:
I have a freeze on my legal information and a request not to sell my legal information to any company with Lexis Nexis and they furnished XXXX and other credit reporting agencies with my legal information that has been frozen and a demand to not sell my personal or legal information.

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 writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
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: EdFinancial Services
State: DC

Complaint narrative:
I am submitting this complaint due to an unauthorized access and potential data breach involving my federal student loan information. A third-party entity known as DOGE ( Department of Government Efficiency ), which is not a legitimate government agency, reportedly accessed a system containing sensitive borrower data, including personal and financial information.

This breach appears to have been facilitated who allegedly gained unauthorized access to federal databases containing my and other borrowers loan details. I am deeply concerned about how this access occurred, whether my personal information has been compromised, and what measures are being taken to secure my data. 

Key details : The unauthorized access reportedly occurred in XXXXXXXX XXXX 

I have not received any official notification regarding the security of my personal data. 
I am concerned that my information may have been accessed or misused without my consent.

I am requesting an investigation into this breach and whether it has impacted my loan status, repayment terms, or financial security. 

Actions taken : I have attempted to contact my loan servicer but have not received clarity regarding this situation. 
I am monitoring my credit and student loan accounts for any unauthorized changes. 
I am filing this complaint to ensure accountability and to request confirmation that my data remains secure. 
I request that the CFPB investigate this matter, verify the extent of the breach, and hold responsible parties accountable for any misuse of borrower data. Additionally, I would like confirmation of whether my personal loan information was accessed and what corrective measures are being taken.

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: EdFinancial Services
State: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or 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 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: CA

Complaint narrative:
hi I was a victim of identity theft and some one open credit cards and bank accounts on my name I got a police report and I've bXXXX disputing fraudulent accounts to the XXXX credit bureaus when I see them by sending letters with supporting documents and most of the times the fraudulent accounts are deleted right away but there's ones like this that even with all the information they still say its correct and don't want to remove it that's why I'm reporting it to the CFPB for help and finally get it of my credit report. when I first notice this account I dispute it to the credit bureaus and after XXXX days it came back as accurate and I ask transunion fraud department why did it came back as accurate when they hade a different address and phone number then mine? so I call the bank directly and explain the problem so they ask for my address and phone number so they can contact me when the investigation was over and the account removed but instead a few weeks later a got a letter saying the the investigation was done and they have the correct address and phone number so nothing to do? the only reason they have my correct address and phone is because I give it to them when I call to resolve this problem. bottom line is this account is fraudulent and it needs to be removed of my credit report.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
hi I was a victim of identity theft and some one open credit cards and bank accounts on my name I got a police report and I've ben disputing fraudulent accounts to the XXXX credit bureaus when I see them by sending letters with supporting documents and most of the times the fraudulent accounts are deleted right away but there's ones like this that even with all the information they still say its correct and don't want to remove it that's why I'm reporting it to the CFPB for help and finally get it of my credit report. when I first notice this account I dispute it to the credit bureaus and after XXXX days it came back as accurate and I ask XXXX XXXX department why did it came back as accurate when they hade a different address and phone number then mine? so I call the bank directly and explain the problem so they ask for my address and phone number so they can contact me when the investigation was over and the account removed but instead a few weeks later a got a letter saying the the investigation was done and they have the correct address and phone number so nothing to do? the only reason they have my correct address and phone is because I give it to them when I call to resolve this problem. bottom line is this account is fraudulent and it needs to be removed of my credit report.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : URGENT Equifax Delaying Investigation Beyond Legal Timeframe Message : I filed a dispute with Equifax regarding inaccurate information on my personal credit report, and they responded by stating they require XXXX days to investigate. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to complete investigations within XXXX days ( or XXXX days in special cases ). Their claim of needing 60 days is a direct violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which states : The credit bureau shall complete the reinvestigation of the disputed information within XXXX days of receiving the dispute. 

I demand that Equifax : 1. Complete my dispute investigation within the legally required XXXX period. 
Provide detailed proof of their reinvestigation process. 
Remove inaccurate items if they can not verify them within the legal timeframe. 

Failure to comply will result in : A formal complaint to the Federal Trade Commission ( FTC ) and my State Attorney Generals office A lawsuit for FCRA violations if they fail to meet their legal obligations I expect immediate action on this matter. 

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There have been XXXX recent hard inquiries on my credit report that I do not recognize and did not authorize : XXXX - XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2025 XXXX XXXX XXXXXXXX XXXX - XX/XX/2025 XXXX XXXX XXXXXXXX - XX/XX/2025 XXXX XXXX XXXX - XX/XX/2025 Automotive I have contacted TransUnion to report these inquiries as fraudulent. They have tagged them as disputed but I need to follow up with an FTC Report to have them removed from my credit report. Thank you for your help with this.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the content 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 infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

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: LA

Complaint narrative:
I am filing 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, they dispute resolution process was unfair and deceptive, as if they did not comply with error resolution requirements under the electronic funds transferred act ( EFTA ) and Regulation E. These action have caused significant inconvenience, and financial loss and I seek appropriate readdress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
The amount shown on my credit report as owed is the incorrect amount. Reached out to the collection agency to get documents showing that this amount is the total owed. Never received those documents.

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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding your continued attempts to collect on alleged debts. I am specifically addressing the following entities : LVNV Funding, LLC XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX You are hereby notified to immediately cease and desist all communication with me regarding any alleged debts associated with your agencies. This includes, but is not limited to : Phone calls to my home, work, or mobile device Emails, text messages, and mailed correspondence Reporting inaccurate or unverifiable information to the credit bureaus Any further collection attempts directly or through third parties I formally dispute any and all claims of indebtedness you allege against me and request validation of any purported debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to furnish verifiable proof of the original contract and balance owed, this matter must be closed immediately, and any negative reporting must be deleted from my credit file. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, any further communication in violation of this request will be documented as evidence for potential litigation. 

I demand written confirmation within 30 days that all collection efforts have ceased and that this matter is considered closed.

Company response to consumer: Closed with non-monetary relief