vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and XXXX XXXX information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My XXXX XXXX XXXXranscripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX XXXX XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
My business account with Square was deactivated without warning on XX/XX/year>. I later found out it may have been related to using gift cards as payment methods from customers, which is common in my industry ( XXXX XXXX ). XXXX did not notify me of any policy violation, nor did they offer a chance to correct the issue. 

On XX/XX/year>, nearly a month after the account was closed, Square initiated a {$1500.00} ACH debit from my business bank account without advance notice, consent, or an invoice. This caused serious disruption to my business operations. 

I had an active loan with Square and had repaid most of the balance, with approximately {$1500.00} remaining. However, no repayment terms or notice were given before they withdrew the funds. 

This complaint is based on the unauthorized ACH debit and the lack of due process or communication by Square. I am seeking a full explanation, proof of notice, and return of the funds or an appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I hope this message finds you well. Im reaching out regarding an error I found on my recent credit report. After reviewing, I noticed an item that appears to be inaccurate and does not reflect my actual credit history. I believe this listing may be a result of a reporting mistake or possible identity mix-up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: FL

Complaint narrative:
My funds we delayed on cash app ( square cash ) a few times. Or payments didnt go through because of its policies. So why is square cash still processing payments. To the lady that called the XXXX child the XXXX XXXX? Why hasnt her payments been stopped and her account frozen or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Formal Complaint Against Experian for Willful Noncompliance with FCRA Sham Investigations & Failure to Correct Inaccurate Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$9200.00} XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX * * * * - CAP XXXX - XX/XX/XXXX - {$12.00} XXXX * * * * - XXXX XXXX  XX/XX/XXXX - {$91.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$290.00} XXXX - XX/XX/XXXX NIH FCU - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, OH, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, OH, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have XXXX unauthorized hard pulls from my transunion report. XXXX with XXXX and the other one with SYNCB, as shown on my credit report. Both application were made on XX/XX/year> by someone living in Texas ( its far away from where I live ) and with a fake phone number. I reached out to both companies immediately after I was alerted about these inquires. Their resolution is to start an investigation regarding it, but I have heard anything back from them since XXXX of last year. I also asked about reference number for me to check the case status, just have been told theres none - their supervisor will do the check and proceed further.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( Equifax, Experian, XXXX, and Credit Karma ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
b'It was an error on every federal account. I have a copy of the chat along with a copy of the receipts of the check. All my payments have been current for the past XXXX years. There should be no late payment payments on my account at all. In addition to this, the account belongs to my husband as part of the XXXX XXXX as oXXXX XXXX XXXX years ago.\nXXXX keeps posting it on my account'

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 2025-05-05 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:
b'It was an error on every federal account. I have a copy of the chat along with a copy of the receipts of the check. All my payments have been current for the past XXXX  years. There should be no late payment payments on my account at all. In addition to this, the account belongs to my husband as part of the divorce decree as of XXXX XXXX  years ago.\nXXXX  keeps posting it on my account'

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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-05 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: IL

Complaint narrative:
Here is the full text of your complaint as included in the PDF : -- - Subject : Ongoing Credit Dispute - Denied Portal Access and No Response from Experian, TransUnion, Equifax, XXXX, XXXX, and XXXX XXXX Details of the Complaint : I have been actively disputing inaccurate and possibly fraudulent items on my credit reports with Experian, TransUnion, and Equifax since XX/XX/year>. I also submitted disputes involving XXXX, XXXX, and XXXX XXXX, who are furnishing what I believe to be inaccurate or unverified information. 

Most recently, I submitted additional disputes during the weekend of XX/XX/XXXX or XXXX. However, I am now locked out of the Experian online portal and unable to view the results of my disputes. This is unacceptable and limits my legal right to review and respond to the outcomes. 

To date, I have not received clear verification or explanation of how the disputed information was verified. I am requesting that the credit bureaus provide a Method of Verification ( MOV ) and disclose the procedures used to reinvestigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

This lack of transparency and access is obstructing my ability to resolve this matter and is negatively affecting my financial standing. 

I am requesting the CFPB to intervene and ensure that : I am granted full access to my dispute results and credit reports. 

A full explanation of the reinvestigation and verification methods is provided. 

Any inaccurate, unverifiable, or incomplete information is permanently removed from my credit reports. 


Thank you for your assistance. 

XXXX XXXX XXXX [ Include your address, phone number, and email when submitting. ] -- - Would you like me to insert your contact information now so the PDF is complete for submission?

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Here is the full text of your complaint as included in the PDF : -- - Subject : Ongoing Credit Dispute - Denied Portal Access and No Response from Experian, TransUnion, Equifax, XXXX, XXXX, and XXXX XXXX Details of the Complaint : I have been actively disputing inaccurate and possibly fraudulent items on my credit reports with Experian, TransUnion, and Equifax since XX/XX/year>. I also submitted disputes involving XXXX, XXXX, and XXXX XXXX, who are furnishing what I believe to be inaccurate or unverified information. 

Most recently, I submitted additional disputes during the weekend of XX/XX/XXXX or XXXX. However, I am now locked out of the Experian online portal and unable to view the results of my disputes. This is unacceptable and limits my legal right to review and respond to the outcomes. 

To date, I have not received clear verification or explanation of how the disputed information was verified. I am requesting that the credit bureaus provide a Method of Verification ( MOV ) and disclose the procedures used to reinvestigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

This lack of transparency and access is obstructing my ability to resolve this matter and is negatively affecting my financial standing. 

I am requesting the CFPB to intervene and ensure that : I am granted full access to my dispute results and credit reports. 

A full explanation of the reinvestigation and verification methods is provided. 

Any inaccurate, unverifiable, or incomplete information is permanently removed from my credit reports. 


Thank you for your assistance. 

XXXX XXXX XXXX [ Include your address, phone number, and email when submitting. ] -- - Would you like me to insert your contact information now so the PDF is complete for submission?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-05 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:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief