vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Violation of FERPA and FCRA Request for Removal of Student Loan Accounts from Credit Report To Whom It May Concern, I am writing to file a formal complaint and request the immediate removal of student loan accounts listed on my credit report that violate my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ).

The accounts in question were reported to credit bureaus without my written consent or proper disclosure under FERPA guidelines. According to FERPA ( 20 U.S. Code 1232g ( b ) ), personally identifiable education recordsincluding financial aid, student loans, and enrollment statuscannot be disclosed to third parties, including credit bureaus, without prior written consent from the student.

No such consent was ever given in writing for the reporti
ng of these loans to Equifax, Experian, TransUnion, Innovis, or Sagestream.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. Since this authorization was never granted, the reporting of these student loan accounts constitutes an illegal furnishing of data.

Furthermore : 15 U.S. Code 1681s-2 requires furnishers of information to provide accurate data. Reporting without consent, in violation of FERPA, means the information is both unauthorized and unlawful.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) requires that unverifiable or unlawful accounts must be deleted from the consumers credit file after reinvestigation.

Given these facts, I demand the immediate deletion of all student loan accounts reported in violation of federal law and my educational privacy rights. If the student loans can not be verified with legal written authorization under FERPA, they must be permanently removed from my credit reports within 30 days of this notice.

Failure to comply will result in further legal actions, including civil claims under : FERPA : 20 U.S. Code 1232g FCRA : 15 U.S.C. 1681n and 1681o ( for willful or negligent non-compliance ) I respectfully request that the CFPB and FTC investigate this matter, and that the reporting agencies be compelled to produce documentation of my consent to report educational recordsif such documentation does not exist, the data must be removed.

Please notify me of the results of this investigation and the actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from XXXX XXXX. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from XXXX XXXX. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
I requested a reconsideration request for PSLF buyback on XX/XX/year> and was told it would take no longer than 45 days. I have reached out to Student aid and XXXX with no guidance. I have also requested to be switched out of SAVE to IBR to be able to finish my PSLF which should have been completed in XX/XX/year> if it werent for the SAVE pause. I would like my buyback request to be approved so that I can pay the months and finish my PSLF program.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Fraudulent Account on My XXXX Credit Report Launch Servicing/XXXX I am reporting an inaccurate and fraudulent account that has been added to my XXXX credit report. The account is listed under Launch ServicingXXXX with a reported balance of {$18000.00} and an original balance of {$38000.00}. The account shows an open lease account with a monthly payment of {$160.00} and a past due amount of {$3000.00} as of XX/XX/XXXX. 

I have never opened, authorized, or signed for this account. I was not even residing in the United States at the time this account was supposedly opened ( XX/XX/XXXX ), and I have no knowledge of this creditor or any such lease agreement. This account does not belong to me. 

I have disputed this account multiple times with XXXX, submitting documentation and even filing a police report indicating identity theft. Despite these actions, XXXX has repeatedly verified this fraudulent account and refuses to remove it from my report. The comment on the report states, Account previously in dispute - investigation complete, reported by data furnisher. 

Additionally, the account does not match my personal information and is likely the result of identity theft or a reporting error. I am unable to directly contact the data furnisher ( Launch ServicingXXXX ), as no accurate contact channel is provided. 

I am asking for CFPBs assistance in : Forcing XXXX to conduct a thorough and fair reinvestigation Requiring the data furnisher to provide actual proof of my responsibility for this account Ultimately removing the account from my credit report if no verifiable proof is provided Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
Each credit bureau has the wrong personal information and I sent in the correct information ; they still refused to change the personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I was recently working with a company that co signs for apartment rental leasing and was made aware of collections I had from apartment complexes I never resided at. All the collection dates I obtained from the collection companies from these properties were in the same time frame. When I reached out to the original debtors I was informed that there were apartments applied to under my name and that the fees for the applications were returned resulting in balances on my credit. The properties on my listed on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been contacting the following collections agencies for over a year to dispute these balances. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and IQ data XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX  broker accounts in the XXXX? XXXX  allowed on my finacial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts statements and why XXXX is in my XXXX  account? tax information explanation as to why XXXX XXXX  are on my XXXX missing deposits XXXX  no responsd from XXXX  made from the personal bankers XXXX XXXX  has an external link why empower is in mXXXX XXXX XXXX and XXXX  nothing has been done?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit file. After reviewing my credit report, I noticed a derogatory account that is being inaccurately reported. This reporting is not only misleading but damaging to my credit profile. I demand that this account either be updated to reflect a current and accurate status or be deleted entirely from my credit report if it can not be verified or corrected. 

In addition, I am disputing several unauthorized and inaccurate hard inquiries listed in my credit report. These inquiries were not initiated or authorized by me, and I have not applied for credit, loans, or services with the companies responsible for them. As such, they are unjustified, inaccurate, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit file. After reviewing my credit report, I noticed a derogatory account that is being inaccurately reported. This reporting is not only misleading but damaging to my credit profile. I demand that this account either be updated to reflect a current and accurate status or be deleted entirely from my credit report if it can not be verified or corrected. 

In addition, I am disputing several unauthorized and inaccurate hard inquiries listed in my credit report. These inquiries were not initiated or authorized by me, and I have not applied for credit, loans, or services with the companies responsible for them. As such, they are unjustified, inaccurate, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent out a dispute letter to Experian on XX/XX/year>. That was delivered to Experian on XX/XX/year>. I sent them a letter disputing items thats on my credit report I want to be deleted due to not being XXXX XXXX Compliance. I received a email from Experian on XX/XX/year>. The email stated that they did not do any investigation, alleging that my letter was not sent directly from me. Which it was sent directly from me and signed, with all documents proving my identity and that its me sending the letter regards to information being reported on my credit report. The items that are on my credit report that I want deleted immediately is causing me damages by affecting my credit score leading me to not be able to get approved for anything that I need. Experian is completely ignoring my request that I sent to them not doing any investigation. I have not received any letter back only a email stating it was not sent from me so they will not do any investigation.

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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I dispute my student loan long ago in yesterday XX/XX/XXXX I did not open two student loan I went to XXXX XXXX XXXX in XXXX both accounts showing different balance I did the forgiveness loan this how affect my credit score so bad brining it down. I want it gone or fix because its not right numbers not right one say {$360000.00} the other say {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Company name ( Aldous and associates ) in accordance with the Fair Credit Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose Also According to 15 USC 1692C states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover Credit Card keeps resolving a dispute in favor of merchant XXXX. I did not receive product and order was canceled within 24 hours and was assured I would receive a refund. Yet now XXXX is claiming charges are valid. Total fraud. See attached summary of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
They locked my account for an unknown reason and when I call the number they provide nobody will do anything about it. They claim " it takes time '', but in the meantime they have frozen ( I have XXXX loans with them ) all of my autopay functions and they want me to continuously call a foreign call center and give them my bank info to make my payments. And this is how fraud begins!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
TransWorld Union has recently reported this debt onto my credit report. When i spoke to a representative about this debt i informed them that the address for the utility bill was incorrect and i never lived in the apartment to begin with. It has an XXXX NY address when my address and location is XXXX NY. I have disputed this information with the credit bureau and am now coming to the CFPB to receive further assistance with this incorrect debt. 

This debt was placed on my credit previously and was successfully deleted by another collection agency because after prior search on their part they saw the debt was incorrectly placed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I closed on my loan on XX/XX/XXXX. They were suppose to pay off 3 credit cards 2 XXXX XXXX XXXX cards and 1 XXXX card. They have taken the money to pay them. My XXXX loan balance is XXXX. And have not paid them. Since closing on my loan, I am getting charged daily for interest on my XXXX and still these credit cards!!!! 
They said the cards would be paid off with 10 days they had to mail a check. It has been over 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/year> I attempted to get a property Modification for my house at XXXX XXXX XXXXXXXX XXXXXXXX New Jersey. By phone but A Bank of America representative advised there's no such thing as a property Modification paperwork.After much arguing they finally submitted paperwork to me at XXXX XXXX XXXX morning New Jersey they did this five times and five times Bank of America never responded they received the paperwork actually maybe five times but never gave an answer this is a violation of federal law.I had a second mortgage for my house at XXXX XXXX XXXX XXXX New Jersey. I had direct withdraw from a checking account issue my Bank of America they stopped talking the payments out and put in collections. The collection agency is now XXXX account number.

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