vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, due to the unauthorized exposure of my personal information by the XXXX XXXX XXXX XXXX and its loan servicer, Nelnet. This breach has resulted in a significant violation of my privacy, and I am seeking your assistance in addressing this matter. 

I have been made aware that my personal and financial information has been improperly handled and exposed, as evidenced by recent legal actions : Nelnet Data Breach Litigation : In XXXX, multiple lawsuits were filed against Nelnet following a data breach that exposed the personal information of over XXXX XXXX borrowers, including names, phone numbers, email addresses, and Social Security numbers. Allegations include negligence and invasion of privacy. 
XXXX  Unauthorized Data Sharing with XXXX : The Department of Education has been implicated in lawsuits alleging the unauthorized sharing of sensitive borrower information with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXed by XXXX XXXX. This data includes Social Security numbers and bank account details, raising significant privacy concerns. 
XXXX  Under FERPA, I have the right to the protection of my educational records, including personal information shared with loan servicers. The mishandling of this data demonstrates a clear violation of federal regulations and my fundamental rights as a borrower. I am deeply concerned about the potential misuse of my information and the lack of transparency regarding how this breach occurred and what steps are being taken to remedy the situation. 

I am requesting an immediate investigation into this matter and the enforcement of necessary corrective actions to hold the responsible parties accountable. Additionally, I seek clear communication regarding the extent of the breach, measures taken to mitigate risks, and assurances that my personal data will be protected moving forward. Furthermore, due to the severe mishandling of my personal and financial information, I am seeking the immediate removal of all student loans associated with my records and the deletion of any negative remarks on my credit report that have resulted from this violation. 

I appreciate your time and prompt attention to this serious issue. Please provide any updates regarding the status of my complaint and the actions the CFPB intends to take. I look forward to your response and a resolution that upholds my rights under FERPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I want the XXXX  XXXX XXXX  hard Inquiry from XXXX. XXXX, XXXX and XXXX XXXX : XXXX XXXX, XXXX removed from all three credit bureaus. I already have a XXXX  XXXX XXXX  account. I never authorized these companies to put these unverified inquiries on my credit report at all.

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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX  XX/XX/XXXX I tried to use my checking account and debit card with Square to send payment of {$300.00} to XXXX of my suppliers via XXXX which is advertised as a capability of the Square system directly on their website. The transaction was repeatedly declined despite funds and no limits ( it was the start of the month and first transaction ) having been reached yet. Customer service was not available until XXXX  the XXXX. At XXXX XXXX time I called their customer service line and was told that the information on their website was not true or factual and that there is a {$0.00} limit to XXXX ( and cash app ). I explained that this was not the terms disclosed on the website which informed our decision to use square as our processor and being told that option was in fact not available instead. The customer service representative did not give a reason or resolution despite numerous attempts to get clarification as to why they had a hidden policy change and did not disclose this as the terms of their policy. After continued efforts trying to get a direct answer, I asked to speak with a supervisor who could better explain or find resolution for my business to use our funds in the manner which was advertised, but the agent refused and ultimately hung up on me after saying the call was no longer productive. We still don't have a resolution or capability to send our funds to suppliers or vendors that use XXXX to receive money.

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

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccurate reporting of my mortgage balance to the three major credit reporting agencies. Although my mortgage with New Rez/Shellpoint was paid in full in XX/XX/year>2024, it is still being reported as an outstanding balance [ 1 ]. 

This error has had significant negative consequences : 1. My credit score has dropped over 25 points [ 4 ].

2. This drop has directly affected the interest rate I qualify for on a new mortgage, resulting in additional costs [ 3 ].

I have already contacted New Rez/Shellpoint about this issue. They informed me that the update could take 2-3 months to be reflected, which is unacceptable given the financial implications [ 1 ]. Furthermore, they suggested that I should file disputes with all three credit reporting agencies, which unfairly places the burden on me to correct their error.

This situation is causing me undue XX/XX/XXXXand financial harm. As the lender, it is New Rez/Shell point 's responsibility to report accurate information to the credit bureaus promptly I request that you take immediate action to : 1. Update my account status to " Paid in Full '' with all three credit reporting agencies within the next five business days.

2. Provide written confirmation once this has been completed.

3. Compensate me for any additional interest costs incurred on my new mortgage due to this reporting error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I have been paying Phoenix Financial Services for over a year now in the amount of around {$500.00}. I will have to fully check my bank records. I have not had a payment out since XXXX. The agreement I had with Phoenix was XXXX XXXX  monthly. After not seeing a payment since then I started investigating online and realize that CFPB has taken action against them for fraudulent debt collection. I would like to know if my account has been one of those seeing as how the number and website for Phoenix Financial is now invalid. There was info on how to complain so that is what I am doing now.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a complaint with these Bureaus a month ago, but the wrong info on my report is still there. To make matters worse, I haven't heard back from them, and theyve already closed my complaint. Can you tell me why they did that without fixing anything? Did they even look into my dispute? I really need to know that theyve checked the inaccuracies and verified the accounts. What methods did they use to do that? This whole situation is super frustrating! Its been over 30 days since I complained, and I thought the accounts would be updated by now. If they dont get updated soon, I might have to consider legal action because this has been really stressful. Plus, Im worried about my personal data security after the Equifax, Experian, and XXXX breach.

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 2025-03-03 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-03 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-03 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: TX

Complaint narrative:
I am writing to formally dispute the information reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. As per Section 1681o of the Fair Credit Reporting Act ( FCRA ), I believe that the reporting reflects civil liability for negligent non-compliance, and I request an immediate investigation into these matters. 

1. XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Date of Report : XX/XX/scrub> 2022 2. XXXX XXXX XXXX - Account Number : [ XXXX ] - Date Opened : XXXX 2022 - Status : Account was written off I believe that the reporting of these accounts is inaccurate and does not comply with the legal standards set forth in the FCRA. I kindly urge you to conduct a thorough investigation into both matters and provide me with a written response regarding the findings. 

In accordance with the FCRA, I request that you delete any inaccurate information related to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. The continued presence of this information is adversely affecting my creditworthiness, and I am seeking a fair resolution to this issue. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA. Please confirm receipt of this letter and let me know if you require any further information to assist in your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}

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 2025-03-03 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over 45 days ago, Experian and XXXX were notified that they were reporting an erroneous account, XXXX XXXX XXXX XXXX, as part of CFPB complaint XXXX. I requested the removal of this account, as XXXX had already deleted this inaccurate information. Since then, XXXX has complied and removed the account, but Experian has failed to do so or provide any justification for its continued reporting. 

I have reason to believe that no proper investigation was conducted. As a result, I have attached a true bill for Experians negligence, failure to investigate, and non-compliance with FCRA regulations. I expect payment to be remitted to the address listed on the invoice, along with the immediate deletion of this account within 14 days.

Company response to consumer: Closed with explanation