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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: ME

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. The breach performed by DOGE, given that they unlawfully accessed student data, is a clear violation of FERPA and your responsbility to safeguard my information.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NM

Complaint narrative:
After numerous power outages, water shut offs, " temporary '' ac shut offs and work orders created, the property became uninhabitable and the business was in violation of their lease agreement.

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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed.

Recent reports from AP News and Politico confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate.

Additionally, under TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by Cahlin v. General Motors Acceptance Corp., 936 F. 2d 1151 ( 11th Cir. 1991 ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing. 

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing.

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing.

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NJ

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 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: NY

Complaint narrative:
IN REGARDS TO THIS ACCOUNT # XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was unlawfully leaked during the data breach and I want my entire profile swept clean & all address that are not mine that are in my profile removed as well

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: EQUIFAX, INC.
State: OH

Complaint narrative:
My information was unlawfully leaked during the data breach and I want my entire profile swept clean & all address that are not mine that are in my profile removed as well

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 — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I deposited a check to my Bank of America account in XXXX XXXX, California which I have held for over 20 years and due to the amount of the check Bank of America placed a one week hold on the check. I asked why so long it should not take that long to verify funds. The lady at the counter Brooded her shoulders and said thats just what the back office does.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **VIA CERTIFIED MAIL & RETURN RECEIPT REQUESTED** To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ). 

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) XXXX if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. XXXX  ). 
- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**. 

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased. 
- **Cease credit bureau reporting** unless legally required. 

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809. 

Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

Sincerely, XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I notified chex information systems of fraudulent related bank accounts opened without my knowledge or consent by submitting an identity theft affidavit via certified mail with tracking XXXX. Chex has denied my request due to not having a police report included which is unacceptable an not a requirement under the Fair Credit Reporting Act per section 605a ( b ).

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: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC.
State: MO

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 it is your responsibility to safeguard my information. It has come to my attention that my financial and educational information was improperly accessed by unauthorized third parties including XXXX XXXX or affiliated entities. Given the security 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. 

Violating FERPA, the Privacy Act of 1975, and the Higher Education Act. FERPA : 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. Privacy Act of 1975 : The unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors. Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to MOHELA and subsequent data breaches demonstrate clear negligence.

Company response to consumer: Closed with explanation