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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk 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 agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to m
aintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist.

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.

Company response to consumer: Closed with explanation
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: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
I believe the account is invalid. CAWLEY & BERGMANN needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

CAWLEY & BERGMANN Original Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX denied my account credit increase, partly based on a XXXX  month old report from XX/XX/year>. I was unable to secure a quick replacement phone, which was needed to recieve VPN codes, from my office. These codes are needed thru the day to log back into systems as, as needed. As a result of not having a phone, I was forced to take the day off and was given a verbal warning. Now as for Eqifax, I have had other denials with Equifax as the supplier, but I wasn't able to view any other dates, but if these same old reports were sent, this did me a grave injustice. And the lowered score was the result of my being a victim of a rental scene. By XXXX my score was starting to recover and should have been properly reflected to potential creditors.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 
The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: TN

Complaint narrative:
I am reporting this company for the fraudulent debt they are trying to collect from XXXX XXXX, to which I DO NOT OWE.! Ive never had a contract with XXXX as Ive never been there ever. Ive tried to explain this to both them and XXXX, to which XXXX agreed to accept the FTC Affidavit but Sentry is being ridiculous. I never signed any contract with them or XXXX XXXX. A few years back my personal identifying information was stolen from me and Ive had to maneuver and get other fraudulent accounts dealt with, and this is no exception. Ive given this company numerous opportunities to rectify this situation, to which they have all but spit in my face, and told me good luck.. Ive never been so disrespected in my life. Ive seen these people delete others stuff with easeIve seen them tell others about satisfying the account or getting it deleted out right.I dont owe any money at all, like not a dime. But tell me what itll take to get your fraudulent trade line off my credit reportsme bringing formal litigation against you all? Or will you all stop being childish and just delete that fraudulent trade line of my credit reports? This is ridiculous how Ive never even got the validation that I asked for. Because you are supposed to have provided that a long time agoso it should already be removedDelete your fraudulent trade line off my credit reports ( XXXX, XXXX, XXXX ) immediately or face the consequences. I want to know how to get Sentry credit off my credit reports so I can finally move on from all of this.

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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX XXXX through debt bondage. This situation falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX  through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of today, I have been lock out of my credit bureaus due to fraud. The credit bureaus have allowed fraudulent individuals to lock me out using names and addresses that are unknown to me. l currently live in California, but my records show me living in Kansas, a place I've never resided in additionally, there is a Texas address. I have a list of addresses in California where I have never lived as well. There is a list of names that I do not recognize, and someone is using them as aliases under my name, which I have never used before. I have tried calling the credit bureaus, but they have not provided me with any information. The fraudulent party has managed to call and change my actual telephone number, which complicates matters further. I am seeking help to resolve this issue because I am unable to access my credit. Thank You for any assistance you can provide.

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: AL

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On XX/XX/year>, XXXX restricted my account, which holds approximately {$80000.00} worth of cryptocurrency. This restriction prevents me from selling or transferring any of my assets. I originally purchased these cryptocurrencies through the XXXX app and intended to sell them to cover my daily expenses as market conditions changed. 

XXXX app initially displayed a banner stating that the restriction would be lifted by XX/XX/year>. However, when that date arrived, they repeatedly pushed back the estimated resolution date by XXXX day at a time. The banner only displays a message saying, " No action needed, '' without providing any real updates or solutions. 

Desperate to access my funds, I contacted XXXX via both phone and email. Their support team only give me a case ID : XXXX, and informed me that they have no control over the restriction, do not know the reason for it, and that there is nothing I can do to resolve the issueonly wait indefinitely. 

So far, the only update I got from XXXX is still the banner saying XXXXNo action needed ' and an ETA that got pushed back day by day. 

This situation has caused significant financial hardship to me and is severely impacting my entire family 's well-being.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate hard inquiries and late payment records that appear on my credit report, which was generated on XX/XX/year>. These entries are not authorized, accurate, or properly verified as required under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 611, which govern permissible purposes for accessing credit and ensuring the accuracy of reported information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/year>

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed over four times with XXXX stating that the dates of payments are incorrect. 
The monetary amount of payments that were made towards the loan are incorrect. The date stating when the loan was obtained is incorrect. The terms in the fraudulent loan were changed without my consent, and when asked by the company to provide my original paperwork, they stated they can not provide it. The company had also performed in illegal reposition by breaching the piece by coming onto private property to retrieve the vehicle and then not giving me written information stating where my vehicle was so I could try to make a payment or go get my property that was in the vehicle that they took. Or how much the vehicle was sold for when it went to auction or the dates that the auction was going to happen before it happened I was never given any information after that about the vehicle that is illegal. The date of last payment was also incorrect on my credit report. If you also look at the attachment, youll notice that XXXX XXXX does not have this account listed because XXXX XXXX already deleted it due to the fact that the company can not verify the information that I was disputing so they deleted it yet. XXXX and Experian keep on saying that its verified and accurate. I dont understand how. They also keep on sending me a stall letters stating that they need me to verify my information which I did when I submitted the first dispute I submitted a copy of my ID. I submitted proof of my address my Social Security card theres no reason that they re-need it again. Theyre just stalling instead of doing their job. Im tired of them, violating my rights and committing identity theft under my name Due to them displaying inaccurate information that I have numerously disputed.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately they hurt my ability to obtain credit.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Despite using zelle numerous times and reporting problems, my financial institution and zelle failed to investigate my claims. The informed me that there was nothing they could do about lost funds.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I never in my life enrolled into experian until I received an alert about a account so as I gain access to the account using my information I realized my credit score was extremely low due to debits I owe to companies that I was never aware of. I contacted experian via email and tried to dispute claims of debts but never received anything back. Inputing false information on credit score has impacted in my life and Im so unsure what to do as I had consent to allow access to my credit for those companies or experian reporting this false claims.

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