vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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:
I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. On or around XXXX XXXX2025, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of myFERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines.The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. 




students sue Education Department, allege DOGE is accessing private data : https : XXXX XXXX  team 's access to student loan systems raises alarm over borrowers ' personalinformation : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. On or around XXXX XXXX2025, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of myFERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines.The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. 




students sue Education Department, allege DOGE is accessing private data : https : XXXX XXXX  team 's access to student loan systems raises alarm over borrowers ' personalinformation : 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 2025-02-14 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: MI

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year> I applied for a Barclays XXXX XXXX XXXX. I was notified that in order to get approved I would need to send in a copy of my drivers license, my social security card, and a utility bill or bank statement. I sent in those documents and was approved for a {$1000.00} credit limit. After I received my credit card a few days later on the XXXXXXXX XXXX XXXX XXXXXX/XX/year> my card was blocked for purchases and charges. I was then notified that in order to remove any blocks or restrictions that I needed to send in ( the same documents I sent in to get approved ) A copy of my drivers license, social security card and utility bill or bank statement and a XXXXXXXX XXXX tax form to verify my income with the irs. On XXXX I faxed the documents again for the 2nd time. However after 3 weeks out of the 7-10 business days review process that I was told the review process would take didnt get any notification but was told that the documents werent valid ( the same documents I sent in to get approved ) and to faxed them over again. Ive called multiple times throughout the day because I know how negligent they were in reviewing and securing my personal documents the first time that they were going to neglect them again. Therefore after a certain time the review process expired. Which is why I had to send over my personal information again only to get lost and not reviewed. There holding on to my personal information, neglecting resolve any issue thats going on with my account which is not allowing me to use my credit card. Its XXXX and there still isnt any updates every time I call the agents tell me that its still being reviewed. Several agent have sent emails to the department thats handling my review but theres no further updates. I even was criticized by an agent for calling from a different number other than the home number thats on my profile. Im concerned that my private and personal rights as a consumer my information has been mishandled and violated by Barclays XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-02-14 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Higher Education Servicing Corporation, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : During my medical residency and fellowship there is a mandatory forbearance that must be submitted each year to HESC. This form must be signed by my supervisor before it can be approved. If a form is received by HESC late ( due to my supervisor not signing and submitting by the due date ) the forbearance will be retroactive. 

This scenario happened in XXXX and XXXX, and while HESC did retroactively accept the mandatory forbearance on both occasions, they did NOT remove the late payments from my credit report.

I have attached two documents to this complaint proving that the forbearance was retroactive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: MD

Complaint narrative:
XXXX XXXX  For the second time now a Screening agency has gotten a hold of a shielded court Landlord case. It was shielded a few years ago and there is NO reason it should still be reported to the screening agencies. ESPECIALLY since it's been disputed previously and SHOULD have been reported. Why would I get it shielded for it to still show on reports? This has got to be illegal at some point and going directly against MD COURT ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I believe this collection account is inaccurate or incomplete for the following reason In accordance with 15 U.S.C. 1681i, I am requesting that the collection account listed above be investigated and removed from my credit report if it is found to be inaccurate or unverifiable. If the collection can not be verified within 30 days, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
CashApp recently closed my account without warning. I appealed and was told that my account had violated the TOS and the account closure would stand. I asked for details on what I did that violated the TOS and CashApp refuses to provide those details or re-open my account. I opened a XXXX  case with CashApp only to reach the same conclusion, account closure without reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A bank account was opened under my name and father 's name when I was a minor ( XXXX XXXX XXXX ) over 30 years ago. My father passed away 7 years ago. I was not aware of this account ; however, the bank was aware that my father was deceased. The bank failed to contact me and over the course of several years deducted monthly fees due to the account having insufficient funds. When I discovered that this account existed after reviewing old documents following relocation of an address on the account, I contacted the bank that I was aware this account existed. I did not know that they had been deducting monthly fees for several years or even the amount that was in the account as I was never notified. In an attempt to discover more information on the account I was charged over XXXX $ in fees without my knowledge, resulting in me going to collections for an outstanding overdraft on the account. Multiple calls later, the fee for receiving bank statements was withdrawn ; however, I never received the original amount that was on the account prior to years of monthly fees. 
The bank refused to reimburse the fees and provide the original balance on the account prior to the death of my father despite me being unaware of the account and them knowing that my father was deceased. There was never any attempt to locate me or send me monthly balances on the account so that I could either close the account or add money to avoid the monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/2025, I set up a Wise Account to transfer XXXX internationally from my XXXX XXXX  account to an account in XXXX XXXX The money was taken ou of my account the same day. I have the receipt where I see the money as being funded on XX/XX/XXXX and available for fund as of XX/XX/XXXX to the recipient account. It is shown as successfully transferred. However, the recipient has not received the money neither his bank. He contacted the bank multiple times and they are no aware of such transaction. When I checked the receipt, I realized that last XXXX digits of the iban number were missing. I believe this might be a reason why the money was never received by the bank but I am sure I put the full Iban number correctly. Then I contacted with the Wise team 3 times over the past two weeks to ask about the status of the money and told them they may have missing Iban number. They did not take any action since then and they said they have no idea why the money is not received. They said I need to wait many days for them to escalate the issue although it has been more than two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$11000.00} XXXX  XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$84.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX. - XXXX - XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$670.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A payment was made to my credit card account with PNC Bank on the due date of XXXX. The payment confirmation indicated the payment time and date and a confirmation number. The company placed a late fee of {$27.00} on that same date and my payment has not been accredited to my account. Upon contacting the customer service department, I was told that since my payment was made from a " third party company '' ( I do not know what this means as the payment was done on the PNC online web service ), it would take a full day to have the payment appear on my account. I advised them that I had a confirmation number from PNC Bank that included the date and time on which it was made and she said that it " didn't make a difference ''. That I probably made the payment " late in the day ''. I said it was made at XXXX XXXX  Central Time and that their confirmation page indicated that even if I made it before Midnight of that day, it would be accredited accordingly. After several other excuses and firm dialogue, she hung up the phone. I believe that PNC Bank is improperly and unjustly applying late fees on their customer 's accounts and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-14 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/year> I received a phone call on my cell number XXXX. The caller said they were from my bank XXXX XXXX XXXX, in the fraud dept. hey said they was suspicious activity and that XXXX transfers were stopped using Zelle. He asked if I had opened XXXX XXXX  account online in XXXX. I had not, nor did I get any alerts that money was transferred out of my account. He said that I need to talk with the Zelle office and cancel these transfers ( which they said they had already stopped ) but that I needed to talk with Zelle and they were going to transfer me. he then gave me a Case number XXXX and XXXX cancel code, XXXX, for a Tranfer of XXXX to XXXX XXXX and the second code XXXX, for XXXX of XXXX to XXXX XXXX. I asked them how dod I know this is XXXX and he said XXXX the number he called from XXXX, which I did and it was a XXXX XXXX  in XXXX Ohio. I then let him transfer me to Zelle. That women had me open the XXXX XXXX  XXXX on my phone then walked me through enrolling in Zelle ( I hadn't been enrolled prior, never used it ) then to verify they had me put in the case number which actually was a phone number. Then use the send button to enter the " cancel " code, which came up as a dollar amount, XXXX. 
It did not work because the account I chose to use was an account that send XXXX. Getting to this point took XXXX minutes ... ..I then realized what was going on and told them that I would contact my bank. After I hung up they called back XXXX time form the XXXX number. After I checked with my bank and re-secured my accounts. I called the XXXX number and XXXX XXXX  XXXX answered and before I could ask, she said was I called about a Zelle transfer. She told me they been getting call all today about this. I then call the " case '' number XXXX and I got an answer, and when I asked about a Zelle scam ... .they said no speak XXXX and hung up. After all this about an hour pasted and the call back again XXXX XXXX XXXX XXXX XXXX started this all over I stopped him and told him I knew it was a scam and he hung up. XXXX XXXX

Company response to consumer: Closed with explanation