vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding a serious violation of privacy laws involving unauthorized access to sensitive student loan data by XXXX, an entity or individual associated with this unlawful activity. It has come to my attention that XXXX unlawfully accessed the Department of Educations student loan data systems, violating FERPA and potentially exposing my personally identifiable information ( PII ) and financial records.

Violation of FERPA Under FERPA, student records, including information related to student loans, are protected from unauthorized access. Specifically, 34 CFR 99.31 states that student data may only be disclosed without consent under very limited circumstances, none of which apply to this situation. Unauthorized access by XXXX to this sensitive information constitutes a clear violation of these regulations and infringes upon my right to privacy as a student. 

Request for Cancellation of Student Loan Debt Due to the breach of my personal data, I am requesting the immediate cancellation of all student loan debt associated with the affected records. According to FERPA and the Privacy Act of 1974 ( 5 U.S.C. 552a ), individuals have the right to control access to their personal information. The unauthorized exposure and use of my student loan information should be grounds for the cancellation of all related debts, as it is the Departments responsibility to safeguard the privacy of such records and ensure they are not exploited.

Further, I reference the Higher Education Act of 1965 ( 20 U.S.C. 1087 et seq. ), which includes provisions for the proper handling and protection of student financial records, and the Privacy Act of 1974, which restricts the disclosure of personal information held by federal agencies without consent. 

Given that the breach has compromised the confidentiality of my personal and financial information, I believe the cancellation of my student loan debt is warranted. The unauthorized access constitutes not only a violation of FERPA but also an undue hardship, as I should not be held financially liable for the potential misuse of my sensitive data.

Request for Investigation and Corrective Action I respectfully request that the Department of Education promptly investigate this breach, take corrective measures, and provide a full accounting of the extent of the data exposure. I also request that any debts related to the affected loan data be canceled, as the Department has a responsibility to protect the privacy of students and ensure their data is not used unlawfully. 

I appreciate your prompt attention to this serious matter and look forward to your response regarding the steps being taken to remedy this situation. 

Thank you for your time and consideration.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Subject : Clarification Request for Quicksilver {$200.00} Bonus Eligibility Dear Capital One Team, I recently applied for the Quicksilver card through XXXX and was offered a {$200.00} bonus if I spend {$500.00} within the first 3 months. I have met the spending requirement, but I was told by a representative and supervisor that I am not eligiblewithout any clear explanation or written confirmation. 

I respectfully request a written explanation regarding why I am ineligible for this offer. I applied based on the terms advertised, and I would appreciate clarity and a fair review of my case. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened a US bank checking account on XX/XX/year>, as part of ongoing promotion to receive {$450.00} after having $ XXXX in direct deposit. It's been over 7 months, and I still havent received the {$450.00} promotional bonus. I've contacted US bank but they keep telling me to wait longer. However, I feel like 7months is long enough already, and I should receive my {$450.00} promotional bonus now.

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 2025-03-22 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX XXXX. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge XXXX XXXX XXXX XXXXXXXX In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all XXXX XXXX from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

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 2025-03-22 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: CA

Complaint narrative:
Improper use of my report reporting it without my permission which is devastating to my credit report and against the law they're violating my constitutional rights as a consumer

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 2025-03-24 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: GA

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 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 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Against Equifax for Civil Liability Negligence and Noncompliance Dear CFPB, I am writing to formally submit a dispute against Equifax Information Services LLC regarding civil liability negligence and noncompliance under 16 U.S.C. 810. 

On XX/XX/year>, I discovered Errors on my Consumer report collection companies that keep coming back validated that never responded to Debt validation. This issue has not only caused me financial distress but has also adversely affected my creditworthiness and ability to secure necessary financing. 

Under 16 U.S.C. 810, credit bureaus like Equifax are obligated to maintain accurate and fair credit reporting practices. However, Equifax has failed to comply with these requirements by Equifax failing to action or inaction constitute negligence or noncompliance, providing false and inaccurate statements, and not removing statements, I have been refused and deny of credit. 

I have attempted to resolve this issue directly with Equifax by [ briefly mention any actions you took, such as submitting a dispute, calling customer service, etc. ], but have not received a satisfactory resolution. 

I request that the CFPB investigate this matter and take appropriate action against Equifax to ensure compliance with federal regulations. Additionally, I seek assistance in correcting the inaccuracies on my credit report. 

Thank you for your attention to this important matter. I look forward to your prompt 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 2025-03-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Against Equifax for Civil Liability Negligence and Noncompliance Dear CFPB, I am writing to formally submit a dispute against Equifax Information Services LLC regarding civil liability negligence and noncompliance under 16 U.S.C. 810. 

On XX/XX/year>, I discovered Errors on my Consumer report collection companies that keep coming back validated that never responded to Debt validation. This issue has not only caused me financial distress but has also adversely affected my creditworthiness and ability to secure necessary financing. 

Under 16 U.S.C. 810, credit bureaus like Equifax are obligated to maintain accurate and fair credit reporting practices. However, Equifax has failed to comply with these requirements by Equifax failing to action or inaction constitute negligence or noncompliance, providing false and inaccurate statements, and not removing statements, I have been refused and deny of credit. 

I have attempted to resolve this issue directly with Equifax by [ briefly mention any actions you took, such as submitting a dispute, calling customer service, etc. ], but have not received a satisfactory resolution. 

I request that the CFPB investigate this matter and take appropriate action against Equifax to ensure compliance with federal regulations. Additionally, I seek assistance in correcting the inaccuracies on my credit report. 

Thank you for your attention to this important matter. I look forward to your prompt 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 2025-03-22 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: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report. that continues to negatively impact my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
As of XX/XX/year>, I've found many other folks are also posting about NETSPEND, I don't know if they went through hassle of filing a complaint. 

However, I'm so angry at NETSPEND, I wanted to do complaint. I've received at least 2 credit cards, the latest this month, XX/XX/year>. ( Neither activated ) I am not sure, but I feel they might be targeting XXXX XXXX XXXX XXXX  and it caused much confusion as it is sent with as official documentation as new CC in your name. 

On the front page it states, WELCOME VISA etc ... ... THEY SHOW : NETSPEND, XXXX XXXX XXXX, XXXX TX XXXX, as mailing address. 
They also have included an account number. it is so authentic looking, it causes such angst! My daughter had to do all the researching to find out what the heck was going on! First thought was identity theft! 
Then. I doubted my sanity, asking myself did I apply and don't remember? 
It is a prepaid card which makes no sense for ID THEFT! I have plenty of active credit cards with credit score XXXX. 

I hope other folks are filing complaints and something can be done? Thank you so much. 

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 2025-03-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and noticed unauthorized and fraudulent inquiries on my credit report.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one report my checking account as a charge off because my accounts in the negative and I never got an email telling me my account is in the account and when I tried to sign into my account it wouldnt let me and they mark account as a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Mid one credit management is reporting to all credit bureaus that I owe debt to them. I have no knowledge of this debt and I have never done business with Midland credit management I requested verification of debt owed. I have not received anything. 

I requested verification with my signature on it showing that I agreed to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I went into XXXX to cash a check back in XXXX they were unable to cash my check because XXXX the company XXXX uses for their financial services says that there was a problem with my Social Security number so thats what I order my check systems report and they said that my Social Security number was not of issuance until XXXX but I was issued the number in XXXX because thats what I was born. I double check with the Social Security office indeed my Social Security number was correct and therefore check system is wrong. They have yet to fix the issue.

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 2025-03-23 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-23 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-22 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: PA

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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account Info Account Name RESURGENT/LVNV FUNDING XXXX XXXX XXXX, XXXX SC XXXX Phone Number ( XXXX ) XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$430.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
TSI is a debt collector for XXXX XXXX for the account XXXX claiming I owe a balance of over XXXX XXXX. I have continued to request information from this company from XXXX and they are refusing to provide any sort of information on this account and disconnect the call when I am on the phone with them.

Company response to consumer: Closed with explanation