vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom this may concern, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue concerning the reporting of student loans on my credit report. I believe that the information currently included in my credit report violates the provisions of the Family Educational Rights and Privacy Act ( FERPA ), and I am formally requesting its removal.

FERPA, enacted in 1974, is a federal law designed to protect the privacy of student education records. The law applies to any public or private elementary, secondary, or post-secondary school, and it grants certain rights to parents and eligible students regarding the access and disclosure of student records. 

Specifically, XXXX XXXX XXXX ( b ) of FERPA restricts the disclosure of personally identifiable information from education records without the consent of the student, except under limited circumstances. I assert my rights under FERPA to control the disclosure of my education records, including any information related to student loans. 
Upon reviewing my credit report, I have observed that certain student loan information is being reported. Below are the details of the student loan accounts that I believe may be in violation of FERPA, as the information is derived from my education records and has been disclosed without my explicit consent : Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$23000.00} Monthly Payment : {$270.00} Original Balance : {$8900.00} Terms : XXXX  Months Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1400.00} Monthly Payment : {$16.00} Original Balance : {$970.00} Terms : XXXX  Months Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1000.00} Monthly Payment : {$12.00} Original Balance : {$760.00} Terms : XXXX  Months In light of the above, I formally request that your company promptly investigate and remove any student loan information from my credit report that may be in violation of FERPA. I trust that your company will adhere to the legal requirements and promptly correct any inaccuracies. 
I appreciate your prompt attention to this matter and request written confirmation once the necessary corrections have been made to my credit report in compliance with FERPA. 

Thank you for your cooperation and adherence to the laws that protect student privacy and educational records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX XXXX XXXX XXXX XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ), you have a duty to ensure the accuracy, integrity, and completeness of the information reported by the credit reporting agencies. I request that you investigate the accuracy of the information reported and provide verification of the following : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off.

4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. Attached is proof of identification and account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
FAY servicing LLC is putting my house on a foreclosure auction sale for a equity loan the previous owner took out.

The previous owners sold the house to us without getting the equity paid off and lien cleared. 

FAY Servicing LLC holds the lien they obtained a judgement to foreclose in XX/XX/XXXX and didn't update the county nor take any action on the judgement till XX/XX/XXXX. 

We purchased the house 6 months and now they are foreclosing our house, the Title insurance company is prepared to pay the Max Title policy limit which is what we purchased the house for 6 months ago FAY servicing is totally unresponsive and demanding outrageous amount of money to release the lien way beyond what the house is even worth at fair market value. They are charging daily interest for their inability to take action 2 years ago on us. 

The original loan is for XXXX they are demanding XXXX. This company is extremely dishonest and unfair and and every unresponsive. And it is penalizing and punishing us who are no way related to the debt in the first place. 

If they foreclosure and auction the house they wont even get half of what they are asking us to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested by certified mail to Equifax, remove the account brylane home, it is reported by the IRS as a canceled debt since XXXX, tracking number XXXX, the above tracking number show the payment of XXXX canceled debt payment for XXXXequifax is still reporting this account as a debt on my credit report.up dated XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The local branch would not accept {$7000.00} cash because it could be money laundering. They suggested getting a certified cashiers check from the credit union as it is the same as cash. The certified cashiers check was deposited. The teller said XXXX would be available immediately and XXXX would be held until Friday. The main customer line was called because none of the funds are available in my account immediately. Now Im told the funds will be available tomorrow. We deposited the certified cashiers check at XXXXXXXX XXXX. I am now unable to go pay the earnest money for the house Im trying to purchase. They offered no assistance and said there is nothing they can do. The teller provided faulty information and now we may not be able to move forward with the house.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Ive files dispute on experian and transion just to be told info has checked out but finding they werent even being investagated is outrageous. Ive been told the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-04 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: MD

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-04 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-04 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MA

Complaint narrative:
XX/XX/2020 a direct deposit of {$13000.00} was returned to the originator and the account was closed. I have contacted numerous times regarding this matter and it was never specified why this action occurred and that I violated the terms although they can not specify which terms. I have not been able to recover the funds due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LEXISNEXIS
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IA

Complaint narrative:
. 
Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$2400.00} XXXX dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 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:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Subject : Dispute of Fraudulent Collection Account and Request for Permanent Deletion Dear Sir/Madam, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] ), which is appearing on my credit reports with Experian, Equifax, and TransUnion. This account does not belong to me, and I have no knowledge of the debt associated with it. 

Upon investigation, I found that XXXX XXXX XXXX XXXXXXXX is not listed as a licensed collection agency in the National Mortgage Licensing System ( NMLS ), which raises serious concerns about the legitimacy of this debt and the authority of the collection agency to report it on my credit file. As a result, I am disputing this account in its entirety. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you investigate this matter and provide proof of the validity of this debt. Due to the lack of proper licensing, I also demand that this account be permanently removed from my c

redit report, as it is not only inaccurate but also illegally reported. Under 15 U.S.C. 1692e ( 5 ), I am entitled to dispute any collection activity that is based on fraudulent or erroneous information. Furthermore, as stated in the FCRA, the credit reporting agencies have an obligation to ensure that only accurate and verifiable information is included on consumer credit reports. 

Therefore, I am formally requesting that : The account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX be permanently deleted from my credit reports with Experian, Equifax, and TransUnion.

Provide documentation showing that this collection agency is properly licensed, if applicable. 

Cease any further reporting of this fraudulent account. 
Please be advised that I expect your response and resolution of this matter within the statutory 30-day period, as required by the FCRA. Failure to resolve this issue promptly may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

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