vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX and FERPA : Did XXXX Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( FERPA ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 

As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. FERPA explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information. 

Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent. 

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as Doge or affiliated organizations.

3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with FERPA regulations and other applicable privacy laws. 

I expect a prompt response to this dispute within 30 days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I received a letter from Equifax and when I received a letter from Equifax telling me I have not used credit or been using credit in the last 10 years or last six years when there is a credit file for me on Equifax I asked them to remove inquiries and ask them to move credit acceptance, corporation off of my credit report and I sent in documentation and they still have not done it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
im just doing this, as Umpua Bank suggested I create a paper trail to make sure this is registered. 

someone has opened a checking account in my name with Umpua Bank without my consent. the bank is now activating their fraud department and will look into the details of this account and how it happened. 

i never gave out my social security number or asked anyone to open this account on my behalf.

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 2025-03-13 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-13 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: EdFinancial Services
State: OK

Complaint narrative:
I am submitting this complaint regarding concerns about unauthorized access to student loan borrower data due to the Department of Government Efficiency ( DOGE ) obtaining sensitive information from the Department of Education. Given recent reports that DOGE accessed financial and personal data of millions of student loan borrowers, I am requesting clarification on : 1. Was my personal student loan data accessed?

2. How does this potential breach impact my financial obligations?

3. Do I have any grounds to dispute my student loan due to this unauthorized access?

I am deeply concerned about the privacy and security of my financial information. Please provide guidance on any steps I should take to protect my data and whether this situation affects my repayment terms or eligibility for loan relief. 

Thank you for your time, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-13 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: NY

Complaint narrative:
XXXX claims I have been delinquent with my payments. But I am a XXXX XXXX  and my payments should have been put in deferment months ago. This in turn reflects negative on my credit report, lowering my credit score.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX claims I have been delinquent with my payments. But I am a XXXX XXXX and my payments should have been put in deferment months ago. This in turn reflects negative on my credit report, lowering my credit score.

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 2025-03-13 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: NY

Complaint narrative:
XXXX claims I have been delinquent with my payments. But I am a full-time student and my payments should have been put in deferment months ago. This in turn reflects negative on my credit report, lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-03-13 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the blocking and deletion of fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ), as I am a victim of identity theft. Due to the compromise of my personal information, fraudulent accounts have been reported under my name, which I did not authorize.

Fraudulent Accounts to Be Blocked and Deleted I am disputing the following accounts as fraudulent and request their immediate removal from my credit file : Closed Accounts - XXXX XXXXXXXX XXXX XXXXXXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX - XXXX XXXX XXXX XXXXlosed on XX/XX/XXXX - XXXX  XXXX - Closed on XX/XX/XXXX XXXX XXXX  - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX Collection Accounts- XXXX XXXX XXXX- {$400.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$690.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$4400.00} ( Opened XX/XX/XXXX ) Hard Inquiries - XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  Retailer ) - XX/XX/XXXX - XXXX XXXX ( Retailer ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX 2023

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 2025-03-13 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the blocking and deletion of fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ), as I am a victim of identity theft. Due to the compromise of my personal information, fraudulent accounts have been reported under my name, which I did not authorize.

Fraudulent Accounts to Be Blocked and Deleted I am disputing the following accounts as fraudulent and request their immediate removal from my credit file : Closed Accounts - XXXX XXXXXXXX XXXX XXXXXXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX - XXXX XXXX XXXX XXXXlosed on XX/XX/XXXX - XXXX  XXXX - Closed on XX/XX/XXXX XXXX XXXX  - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX Collection Accounts- XXXX XXXX XXXX- {$400.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$690.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$4400.00} ( Opened XX/XX/XXXX ) Hard Inquiries - XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  Retailer ) - XX/XX/XXXX - XXXX XXXX ( Retailer ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OZK
State: NV

Complaint narrative:
I was sent a letter that said I needed to provide proof of insurance for my RV. I had shopped around and got a new policy and sent them this information on XXXX as requested by them in their letter to me. In XXXX I received another letter that said they are now charging me for insurance for the vehicle starting from XXXX and billed me for almost {$5000.00}. My insurance only cost me {$970.00}. They refuse to change their stance and say that I owe them for insurance coverage from XXXX through XXXX although they only notified me that they bought insurance on the trailer in XXXX and even though I already sent them my own insurance declaration page that they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my credit karma spend account was frozen and I received a email saying it was going to be closed once my federal return was deposited. On XX/XX/XXXX I spoke to the about my account being closed and my money being transferred back to me they said it was going to take 7-10 business days. On XX/XX/XXXX I received and email about my account being closed and for me to destroy the card and to stop any further activity. The email also then stated I would receive a check via usps within 7-10 days so my time started over again. So I call on XX/XX/XXXX to again receive no information they wont let me talk to a supervisor they wont close my account I have been back and forth since XX/XX/XXXX with no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 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:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a Chase Customer. I had XXXX registered with my phone number and Chase Account. My Account was closed and I opened one at XXXX XXXX. I need to be able to register my phone number with XXXX XXXX, however my number seems to have a restriction from Chase. I spent over an hour and a half talking to Chase customer service, Chase tech support, Chase fraud line, calling XXXX customer service. Everyone keeps sending me back and forth. After 30 mins with a Tech support supervisor, she told me to just use another phone number for my XXXX XXXX account. I haven't had Chase in about 6 months or longer ( I tried to give them enough time to lift restrictions ). I'm not sure what else to do since I can not change my number because I use this for my job. But I need to have access to my XXXX and Chase is providing no support.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WA

Complaint narrative:
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 : My academic records and personally identifiable information ( PII ). 
My Fre

e Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 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.

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