vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-02-09 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: Nelnet, Inc.
State: AZ

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. My information was given to an unelected and uncleared individual and this is a clear violation of FERPA and it's responsibility to protect my personal information.

I want to discuss next steps as to how I can address this very significant personal information breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app did not have a live representative for anyone of that nature to speak to regarding any conflicts I have with other consumers they were not handling people 's claims correctly or refunding us any money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
The delinquent accounts in my credit report is due to date breech, stolen identity, and or/fraudulent use, it has been extremely challenging to my personal finances, I can't do anything with these bad accounts heavily effecting my personal life, I'm reaching you to you guys for help, please help my case, thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNXXXX NAME : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have repeatedly requested my billing statement prior to the due date to no avail. Apple Card is refusing to send me paper billing statements each month 21 days prior to the due date. I was told I was automatically enrolled in paperless and I do not wish to have paperless statements as I do not have access to internet and can not see my billing statements. I have repeatedly requested a paper statement and have been repeatedly denied. I can not make payment without the paper billing statement and this has caused my account to become delinquent causing fees to be charged and late payment being reported to my credit file. I have spoken to many people at XXXX all have said they can not take me off paperless inspite of me stating I have no access to internet. I reminded them of the TILA act particularly Regulation Z and the E Sign act. I have requested my account be removed from the electronic statement system and was told thats not possible I have requested my paper billing statement 21 days prior to due date and was told thats not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I am writing to formally dispute and request an immediate review of my student loan account due to an unauthorized breach of my personal and financial information. Specifically, my data has been accessed by the XXXX XXXX XXXX XXXX, an entity that is not an official government agency, violating federal privacy laws. This constitutes a severe breach of my rights under FERPA ( Family Educational Rights and Privacy Act ) and other data protection regulations.

Nature of the Breach : My student loan records, including sensitive financial and personal details, have been accessed without my consent. 
The entity known as the XXXX XXXX XXXX XXXXwhich is not a recognized government agencyhas gained access to this sensitive & private information, raising serious legal and privacy concerns. 
Due to this unauthorized access, I no longer feel safe or confident in the security of my financial data, and I am at risk of identity theft, fraud, and further privacy violations. 
Legal Violations and Concerns : 1. FERPA Violation Student loan and financial records are protected under the Family Educational Rights and Privacy Act ( FERPA ), which requires proper authorization before disclosure to any third party. This breach is a direct violation of these protections.

2. Breach of Trust and Confidentiality My loan servicer and associated federal agencies have a duty to safeguard my private information, which has not been upheld.

3. Potential Consumer Protection Violations Under the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) guidelines, financial institutions must ensure consumer data security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-02-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligence and Non-Compliance I am writing to formally dispute the claims of civil liability for negligence and non-compliance as outlined in [ specific document/reference number ] dated [ date of the document ]. I believe that the allegations made against me are unfounded and do not accurately reflect the circumstances of the situation. 

Under Section 1681, it is imperative to establish that negligence was present, which requires clear evidence of a failure to exercise reasonable care. In this case, I assert that Ive disputed multiple errors on my credit report for investigation, this company failed to complete a thorough investigation and fix the errors. 

I request a thorough review of this dispute and a reconsideration of the claims made. I am willing to provide any additional documentation or evidence needed to support my position. Please respond to this letter by [ insert a reasonable deadline, e.g., XXXX  days from the date of this letter ], so we may resolve this matter amicably. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligence and Non-Compliance I am writing to formally dispute the claims of civil liability for negligence and non-compliance as outlined in [ specific document/reference number ] dated [ date of the document ]. I believe that the allegations made against me are unfounded and do not accurately reflect the circumstances of the situation. 

Under Section 1681, it is imperative to establish that negligence was present, which requires clear evidence of a failure to exercise reasonable care. In this case, I assert that Ive disputed multiple errors on my credit report for investigation, this company failed to complete a thorough investigation and fix the errors. 

I request a thorough review of this dispute and a reconsideration of the claims made. I am willing to provide any additional documentation or evidence needed to support my position. Please respond to this letter by [ insert a reasonable deadline, e.g., XXXX  days from the date of this letter ], so we may resolve this matter amicably. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of 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 2025-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
RE : Notice to Correct Credit Report Dear ________cfpb__________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely my information was exposed in the 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
RE : Notice to Correct Credit Report Dear ________cfpb__________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely my information was exposed in the 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 non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
On XX/XX/25 a FTC report was initiated with regard to unauthorized inquiries. Experian has failed to remove these inquiries to date, therefore negatively impacting my consumer credit report. I have attached a copy of the confirmation email including the FTC report number. This erroneous reporting of these unknown inquiries is a direct violation of section code 15 USC 1681 with definition to maximum accuracy in which these inquiries are NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX, SS # XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


In accordance with the Fair Credit Reporting act, these in accurate accounts consist of all hard inquiries such as accts from XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX on XX/XX/XXXX, also XXXX XXXX ( XXXX & XXXX ) on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( bank ) on XX/XX/XXXX, XXXX ( bank ) XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX .All the accounts are falsely listed with wrong dates and account numbers on my XXXX, Trans Union and XXXX XXXX credit profile. I would like these hard inquiries deleted with in XXXX days of receiving this complaint. 
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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
My credit report dated XX/XX/year> from Experian is currently reporting XXXX days late for several months from XXXX XXXX XXXX XXXX partial acct # XXXX .... Experian states that " The company that reported the information has certified to Experian that the information is accurate. '' and that " This item was not changed as a result of our processing of your dispute. '' I sent Experian a letter dated XX/XX/year> requesting for proof of the information that they received as proof. I have not received any information back and my report has not corrected.

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