vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MA

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

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: MA

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: ID

Complaint narrative:
I am filing a formal complaint regarding the unauthorized use and potential privacy violation of my student loan information. I have reason to believe that my personal data, specifically related to my student loan status and potential forgiveness, has been accessed or utilized without my consent by parties who should have no involvement in my financial matters. 

I suspect that XXXX XXXX and entities associated with Doge ( DOGE ) may have played a role in this issue, though I am still gathering specific evidence. The unauthorized use of my financial data has caused significant concern, particularly regarding how my student loan information may have been obtained, shared, or manipulated without my knowledge. I am deeply concerned that this may have affected my ability to properly navigate my loan repayment and forgiveness options.

Under consumer protection and financial privacy laws, I believe my rights may have been violated. I respectfully request that the CFPB investigate this matter to determine : 1. How my student loan information was accessed and whether any unauthorized third parties were involved.

2. If any financial or cryptocurrency-related entities had an improper role in handling my loan information. 
3. Whether my financial privacy rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), have been violated.

I would appreciate any guidance on how to proceed with ensuring my student loan data remains protected and that any potential privacy violations are addressed. Please let me know if additional documentation is required.

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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Money was paid to me via my business PayPal account and there was a hold placed on it requesting for documentation in order to lift the hold for me to receive my funds that were paid out since XX/XX/year>. All documentation was provided and phone calls were made and I was told that the funds would be released within 24-48 hours, and to date, they are still giving me the run around and now only communicating via the message center. I am not even sure if the people I am messaging with are real or if I am just getting generic responses, but this is unacceptable and should be looked into, especially with the high rate of fraud and scams that come from PayPal services.

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: 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts on my credit reports that I didnt give authorization or permission to open

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts on my credit reports that I didnt give authorization or permission to open

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data To Whom it May Concern, I am formally disputing the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( published XX/XX/2025 ). The report raises serious concerns about potential violations of the Family Educational Rights and Privacy Act ( FERPA ) involving XXXX XXXX and associated entities, allegedly accessing and deleting student loan records without proper authorization. 
As a borrower with active student loan obligations, I am alarmed by the implications of these actions on my financial standing and educational records. FERPA explicitly protects the privacy of student education records, and any unauthorized alteration or deletion of such records constitutes a grave violation of federal law. These reported actions not only compromise my rights but also call into question the security and integrity of my personal financial information. 
I am formally requesting the following actions : XXXX. Immediate Investigation A full inquiry into the unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent. 
XXXX. Full Disclosure A complete list of entities or individuals involved in accessing, modifying, or deleting my student loan records. This includes any third-party entities such as Doge or other affiliated organizations. 
XXXX. Data Restoration & Rectification Immediate correction of any unauthorized deletions or alterations in my student loan records. I expect a comprehensive report outlining any changes made and the corrective actions taken. 
XXXX. Future Compliance Assurance Written confirmation that my student loan records will be fully protected under FERPA regulations, and that no further unauthorized access or modifications will occur. 
I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations XXXX XXXX XXXX XXXX ( XXXX  ) and consider further legal action if necessary. 
Please contact me at XXXX XXXX to provide updates or to discuss this dispute further. I trust that you will handle this matter with the urgency it demands. 
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 2025-03-13 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: CA

Complaint narrative:
My account with XXXX XXXXXXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXXXXXX XXXX XXXXXXXX XXXX 
Account XXXX : XXXX XXXX. Item/Account Name : XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. XXXX XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX Account Number/Reference Number : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report.

If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief