vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( Dogecoin ), as part of a broader cybersecurity lapse.

As per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question.

Given the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records.

Immediate documentation proving the chain of custody and data access logs for my student loan file.

Written confirmation that the loan servicer and associated institutions were compliant with FERPA at all times.

If these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the XXXX Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA.

Please treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I rented a car from XXXX on XXXX day ( XX/XX/XXXX ) XXXX ( Rental Agreement Number XXXX ), I returned the vehicle in the condition it was rented on XX/XX/XXXX, and didnt hear anything from XXXX until XXXX of XXXX. At this time, I was notified ( falsely ) that there was damage to the vehicle I rented and I was responsible. XXXX has since unjustly and improperly sent this claim to a collection agency ( First Financial Asset MGMT , INC. ), they sent incorrect information about my vehicle rental ( saying that I rented a XXXX XXXX XXXX XXXX XXXX, when this is not true ), and my attempts to contact XXXX and First Financial Asset MGMT , INC. for information to justify the claim have been ignored ( Ive left approximately 10 voicemails with the case examiner team ). I hoping someone can give me full documentation of the rental condition report ( before renting ), the return condition report ( after renting ), photos or videos of the alleged damage, and XXXX policy about notifying customers that theyre being accused of an incident, stop contacting me, and remove and impact on my credit for {$850.00} that they're saying that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Theres an account showing up on my credit report that I dont recognize at all. Ive never opened it, never used it, and honestly have no idea where it came from. Its completely unfamiliar to me.

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 2025-04-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX ( XXXX : XXXX ). 
- Violations : - FCRA 1681e ( b ) : Reporting unverified information. 
- FCRA 1681i : Failure to conduct a proper reinvestigation.

- FCBA 1666 ( b ) : Creditors illegal refusal to correct billing errors. 

XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXX : XXXX ). 
- Violations : - FDCPA 1692e ( 8 ) : Knowingly reporting false delinquency. 
- UDAAP ( CFPB ) : Unfair, deceptive acts harming my credit. 

1. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} 2. XXXX XXXX Opened XXXX {$570.00} 3. XXXX XXXX Opened XXXX {$4000.00} 4. XXXX XXXX XXXX Opened XXXX-XXXX {$1500.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-04-21 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: DISCOVER BANK
State: GA

Complaint narrative:
Found charges on discover card from XXXX. Refuted charges at Discover web site. they checked and said it was legitimate charges. Was told I bought software from the company XXXX, no one was sure what the software was, what was the name of software, etc. Called XXXX only to be told they didn't know what I had bought either. 
I assumed it was virus software and could be downloaded while PC was booting up. XXXXXXXX does not own the software, they are resellers of software, company is from XXXX and now say they have a " procedure '' to download software. Still uncertain what the software is supposed to do for you, have asked for more information and company has promised, it has been a year from the time I refuted the charges of ( {$29.00} )..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Creditor has failed to provide evidence of written agreement and proof that this debt is belongs to me.

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 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Seeing multiple inquiries from your company on my credit report has been frustrating and confusing, especially since I never applied for anything with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data 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 2025-04-21 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
Optum Bank manages an XXXX on behalf of a XXXX XXXX XXXX employer provide health care plan. The XXXX account contains an investment option, through XXXX. This option was elected and utilized. On XX/XX/XXXX a request was initiated online with Optum Bank to liquidate the invested funds with XXXX back to the Cash account with Optum. The confirmation is XXXX. A few days after the transfer it had not completed and I contacted XXXX who indicated that never received the order, and it could only come from Optum, not directly from me as the account holder. When I contacted Optum they located the open liquidation order and confirmed that is had not been fulfilled and should execute in the next couple business days. 2 weeks went by and the order was never executed. I called Optum back on XX/XX/XXXX and they had no explanation for why the order was not executed but indicated it was still open in the system. At this point I requested that they execute the trade promptly and elevate the issue to provide restitution for the loss in market value of the XXXX funds. The account had lost {$2200.00} in value between XX/XX/XXXX and XXXX and they elevated the case for review ( case # XXXX ). It has been 6 weeks with no response, and I called again today XXXX XXXX  ) with no resolution. As of todays market value this account has lost nearly {$5000.00}. I spent almost an hour on the 2 different calls, and both times customer service representative were unable or unwilling to resolve this issue or elevate to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Starting on or about XXXX/2025, my credit suddenly dropped XXXX points overnight from XXXX to XXXX, whereas, TransUnion or Equifax only documented Missed payment from current to 30 days, from a credit card in XXXX with a balance of {$10.00}, whereas, customer service personnel could not even see any recent changes. 

The last time, I experienced such abrupt change of XXXX points over night, was when I withdrew/transferred about {$84000.00} out of the former XXXX XXXX, to XXXX. 

I believe it is major monetary loss/transfer that somehow, it is NOT documented or shared by the Credit Agencies . 

Please investigate and disclose what the actual reasons behind such sudden drop of credit scare?

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 2025-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX  from American Express for {$900.00} on XX/XX/year> for a co-worker. American Express took my money for the purchase ; and never made the funds available on the gift card that they emailed to my recipient. She called American Express on XX/XX/year> to inquire and was told that the card was frozen due to suspected fraud activity, and she would be receiving a check from American Express that should have been issued on XX/XX/year>. 

On XX/XX/year> - I called to follow up as a purchaser and American Express told me that a refund check was sent. 

On XX/XX/year> - I confirmed with the recipient that she had not received the refund check ; and I called American Express again to inquire ( as the purchaser of record. ) This time American Express refused to give me any information. I asked for a supervisor and the agent refused to let me speak to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of incorrect item ( s ) that I would like to dispute : 1.

2. Identity Theft Account Number : LVN FUNDING Please remove it from my credit report.

3. Identity Theft Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the relevant creditor. I kindly request that any information the creditor can not confirm be deleted. As per 15 U.S.C. Sec. 1681i ( a ), I expect this investigation to be completed within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. I would like to remind you that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has received a copy of my credit report within the past six months about any corrections made. 

Thank you for your attention and assistance regarding this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
All of my information is currently on the dark web. Along with addresses that don't belong to me. Incorrect information the account such as wrong dates, late payments, wrong amounts. and a Bankruptcy that should be gone.

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