vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a temporary error, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I have submitted so that I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
When reviewing my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I check my report regularly, but this time, I spotted errors that hadnt been there before. I even refreshed my browser, thinking it might be a technical issue, but the incorrect accounts remained. Because of this, I am requesting a careful review of the documents I provided to ensure that I wont have to deal with this problem again.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with the 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 2025-02-11 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Timely Payment Made XXXX XXXX Account Number : XXXX Please remove late payments and update account XXXX. Validate Account XXXX XXXX XXXX  Account Number XX/XX/XXXXPlease investigate and delete from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Timely Payment Made XX/XX/XXXX Account Number : XXXX Please remove late payments and update account XXXX. Timely Payment Made XXXX XXXX XXXX XX/XX/XXXXAccount Number : XXXX Please remove late payments and update account 9. Validate Account XXXXXX/XX/XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. The following is an invalid late payment XX/XX/XXXX NA Account Number : XXXX Please remove late payments and update account 11. Validate Account XX/XX/XXXX Account Number XX/XX/XXXXXX/XX/XXXXPlease investigate and delete from my credit report. 

12. Validate Account XX/XX/XXXXAccount Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

15. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Should the creditor fail to provide verification, please promptly remove the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Kindly provide an updated copy of my credit report to the aforementioned address, as the act mandates that no fee should be charged for this service. Additionally, I request that you notify any entities who have received my credit report in the past six months of the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED 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 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally request a copy of my 1099-C form for the debt that Macys wrote off as a charge-off. Despite my multiple requests, Macys has failed to provide me with this necessary tax document, yet it has repeatedly reported the charge-off on my credit report. This failure to issue the 1099-C is causing financial complications and preventing me from properly addressing my tax obligations. 

Additionally, Macys charged off my account on XX/XX/year> and has been inaccurately reporting my account as a late payment. This is not only misleading but also violates Section 605 of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must report accurate information to credit reporting agencies. The inaccurate reporting of my account as late is a clear violation of the U.S. Code, and I request immediate correction.

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes particularly in light of 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 impossibile and that tracking transactions was unfeasible. The XXXX 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
To : XXXX Department of Education Student Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus XXXX, Experian, XXXX, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( 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 XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, 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 :

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 2025-02-11 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: NV

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus Equifax, XXXX, XXXX, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX ( DOE ) and the Department of Governmental Entities ( 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 XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
To : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus XXXX, XXXX, TransUnion, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX ( XXXX  ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) 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 XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, 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 :

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Hello, I am writing as my loans have been discharged as part of the XXXX XXXX XXXX XXXX XXXX effective XX/XX/year>. Since then I have made XXXX additional payments of {$1400.00} each, a total of {$4300.00} in excess. I am asking for a refund of overpayment and was deferred to Mohela who keep deferring me to federal student aid. Mohela currently states they can not locate the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
SST 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have become aware that there was a breach regarding my financial and personal information pertaining to the recent news break of the dealings by XXXX XXXX. I believe my FERPA rights have been violated. I am requesting an immediate cancellation and discharge of all loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An unauthorized inquiry suddenly appeared on my credit report today, and I have no clue why. I check my report regularly, and Ive never encountered such an issue before. I even tried refreshing the page, thinking it was an error, but nothing changed. I am extremely frustrated and need this to be investigated and resolved immediatelyplease review the documents I provided so I dont have to keep dealing with this problem.

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 2025-02-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I was denied a receipt for my XXXX mortgage payment processed on XX/XX/year> ( at XXXX XXXX EST ) in the amount of {$1600.00}. I was told by the representative XXXX ( XXXX ) that it would take 5-7 business days to get a receipt to me for the payment. She further stated that the verbal payment confirmation number of XXXX would serve as " record of payment '' in lieu of the receipt. 

Today I received an email regarding my Amerisave account. The {$1600.00} was not applied to my account as my " XXXX mortgage payment ''. It was designated as a " Principal Curtailment '' instead of my " XXXX Mortgage Payment ''.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts and unauthorized transactions appeared on my credit report. I formally notified & requested immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts and unauthorized transactions appeared on my credit report. I formally notified & requested immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under FRCA.

Company response to consumer: Closed with explanation