vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
The credit reporting agencies and the collection agencies stated the debt was mine. I began disputing this information on my credit report in XXXX of 2024. I sent letters to the credit reporting agencies that my personal information was wrong on my credit report, my name was spelled wrong. There were numerous spellings of my name, multiple addresses that were not mine, the employer listed was not correct, and the phone number was incorrect. I sent the disputes by mail certified with a receipt. My credit reports do not show any disputes with the collection agencies. I filed with the FTC because since I have caught this issue my data has been breached 4 times in less than a year. I have no online access to XXXX or XXXX because I am locked out of those credit reports online. Since my information is not correct when I call the two agencies they can't identify me as the account owner. I have never signed any agreement to have my personal information to be sold to any third party. However, since the original creditors have sold my information and the credit bureaus have failed to manage my personal information my social security number has been compromised and now I am dealing with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: TX

Complaint narrative:
Subject : Formal Dispute of Student Loan Due to Breach of Privacy and Violations of Federal Law To Whom It May Concern, I am writing to formally dispute my student loan ( XXXX  ) due to a breach of my personal and financial information, which directly violates the Higher Education Act, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). 

It has come to my attention that my private student loan information was accessed, shared, or disclosed without my knowledge or consent, constituting a serious violation of my rights under federal law. 

Specifically, I believe that the actions taken by XXXX XXXX and/or any associated organizations have compromised my personally identifiable information ( PII ) in a manner that is unlawful and harmful. This breach has placed me at risk of identity theft, financial fraud, and other damages, which are in direct violation of my rights as a borrower. 

Under FERPA and the Privacy Act of 1974, I am entitled to full protection of my educational records, including financial aid and loan information. Any unauthorized disclosure or misuse of such data is a legal violation and calls into question the validity and enforceability of my student loan ( XXXX ). Additionally, under the Higher Education Act, loan servicers and federal agencies are required to maintain strict compliance with borrower rights, a standard that has not been upheld in this case. 

Given these violations, I am formally requesting : XXXX. A full investigation into the unauthorized disclosure of my student loan information. 
XXXX. A complete audit of my loan records to determine the extent of the breach. 
XXXX. A hold or discharge of my student loan ( XXXX ) while this matter is being resolved. 
XXXX. Written confirmation of the steps taken to remedy this issue and ensure compliance with federal law. 

If this dispute is not resolved within XXXX  days, I will escalate this matter by filing formal complaints with the U.S. Department of Education, the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and relevant legal authorities. Additionally, I am prepared to take legal action if necessary to protect my rights and seek damages for any harm caused by this breach. 

Please provide a written response detailing your investigation and resolution of this matter as soon as possible. You may contact me directly at XXXX or XXXX XXXX XXXX should you require any additional information. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MA

Complaint narrative:
Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXXXXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence. 
In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
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 2025-02-10 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: MA

Complaint narrative:
Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXXXXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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.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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
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: CA

Complaint narrative:
I hope you are doing well. I am writing to dispute the information related to a student loan that is currently being reported on my credit report. It has come to my attention that this loan is inaccurately reported, and I strongly believe that it was not authorized by me. The presence of this information on my credit report is significantly harming my financial standing, and I am requesting that it be thoroughly investigated and removed as soon as possible. 

The student loan in question is as follows : XXXX XXXX XXXX XXXX Account Number : 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
About XXXX  months ago I chose to freeze my credit report information with all XXXX repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a XXXX with XXXX Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the XXXX  immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX XXXX Bank began to report to the XXXX repositories a 'Remarks ' coded as XXXX which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from XXXX Bank telling me my XXXX was suspended nor was there any reason to Suspend a XXXX that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late XXXX because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to XXXX Bank to find out why they were coding my XXXX quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all XXXXs. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, XXXX sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks XXXX is what I asked to have removed. The repositories consider this Adverse Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
About XXXX months ago I chose to freeze my credit report information with all XXXX repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a XXXX with XXXX Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the XXXX immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX XXXX Bank began to report to the XXXX repositories a 'Remarks ' coded as XXXX which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from XXXX Bank telling me my XXXX was suspended nor was there any reason to Suspend a XXXX  that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late 2024 because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to XXXX Bank to find out why they were coding my XXXX quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all XXXX. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, XXXX sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks XXXX is what I asked to have removed. The repositories consider this Adverse Information.

Company response to consumer: Closed with explanation