vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> XXXX Department of Education or Loan Servicer __________________________________________ __________________________________________ Subject : Dispute of Inaccurate Student Loan Reporting and FERPA Violations Dear Sir or Madam, I am writing to formally dispute the student loan information reported under Account Number [ Insert Account Number ]. Upon reviewing my records, I believe that certain information related to my loan ( s ) has been reported inaccurately and may also constitute a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

1. FERPA Violation Under FERPA ( 20 U.S.C. 1232g ), students are entitled to the protection of their educational records, which includes the accuracy and confidentiality of such records. The reported inaccuracies regarding my student loan ( s ) suggest a potential violation of my rights under FERPA, specifically the : Disclosure of inaccurate or incomplete loan information.

Failure to ensure that my educational records were properly maintained and safeguarded. 


I request that you immediately investigate and address the accuracy of the loan details in question. If you are unable to substantiate the reported loan information or if it is found that my educational records have been mishandled or disclosed without my consent, I demand that you remove the incorrect entries from my credit report and correct any discrepancies. 
2. Request for Immediate Removal Given the potential FERPA violation, I ask that the inaccurate loan information be removed immediately from my credit file. The inaccurate reporting of my loan details is not only damaging to my financial standing but also violates my rights to the privacy and accuracy of my educational records. 
XXXX. Possible Litigation Please be advised that should this matter remain unresolved within 30 days from the date of this letter, I will consider pursuing legal action for violation of my FERPA rights. This may include : Filing formal complaints with the U.S. Department of Education and other relevant regulatory bodies. 


Initiating litigation to seek damages for any harm caused by the inaccurate reporting and potential disclosure of my private educational records. 


I trust that you will give this matter the immediate attention it requires and ensure that my rights are upheld. I look forward to your prompt response and the resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> U.S. Department of Education or Loan Servicer __________________________________________ __________________________________________ Subject : Dispute of Inaccurate Student Loan Reporting and FERPA Violations Dear Sir or Madam, I am writing to formally dispute the student loan information reported under Account Number [ Insert Account Number ]. Upon reviewing my records, I believe that certain information related to my loan ( s ) has been reported inaccurately and may also constitute a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

1. FERPA Violation Under FERPA ( 20 U.S.C. 1232g ), students are entitled to the protection of their educational records, which includes the accuracy and confidentiality of such records. The reported inaccuracies regarding my student loan ( s ) suggest a potential violation of my rights under FERPA, specifically the : Disclosure of inaccurate or incomplete loan information.

Failure to ensure that my educational records were properly maintained and safeguarded.

I request that you immediately investigate and address the accuracy of the loan details in question. If you are unable to substantiate the reported loan information or if it is found that my educational records have been mishandled or disclosed without my consent, I demand that you remove the incorrect entries from my credit report and correct any discrepancies.

2. Request for Immediate Removal Given the potential FERPA violation, I ask that the inaccurate loan information be removed immediately from my credit file. The inaccurate reporting of my loan details is not only damaging to my financial standing but also violates my rights to the privacy and accuracy of my educational records.

3. Possible Litigation Please be advised that should this matter remain unresolved within 30 days from the date of this letter, I will consider pursuing legal action for violation of my FERPA rights. This may include : Filing formal complaints with the U.S. Department of Education and other relevant regulatory bodies.

Initiating litigation to seek damages for any harm caused by the inaccurate reporting and potential disclosure of my private educational records. 


I trust that you will give this matter the immediate attention it requires and ensure that my rights are upheld. I look forward to your prompt response and the resolution of this issue. 
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 non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> U.S. Department of Education or Loan Servicer __________________________________________ __________________________________________ Subject : Dispute of Inaccurate Student Loan Reporting and FERPA Violations Dear Sir or Madam, I am writing to formally dispute the student loan information reported under Account Number [ Insert Account Number ]. Upon reviewing my records, I believe that certain information related to my loan ( s ) has been reported inaccurately and may also constitute a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

1. FERPA Violation Under FERPA ( 20 U.S.C. 1232g ), students are entitled to the protection of their educational records, which includes the accuracy and confidentiality of such records. The reported inaccuracies regarding my student loan ( s ) suggest a potential violation of my rights under FERPA, specifically the : Disclosure of inaccurate or incomplete loan information.

Failure to ensure that my educational records were properly maintained and safeguarded.

I request that you immediately investigate and address the accuracy of the loan details in question. If you are unable to substantiate the reported loan information or if it is found that my educational records have been mishandled or disclosed without my consent, I demand that you remove the incorrect entries from my credit report and correct any discrepancies.

2. Request for Immediate Removal Given the potential FERPA violation, I ask that the inaccurate loan information be removed immediately from my credit file. The inaccurate reporting of my loan details is not only damaging to my financial standing but also violates my rights to the privacy and accuracy of my educational records.

3. Possible Litigation Please be advised that should this matter remain unresolved within 30 days from the date of this letter, I will consider pursuing legal action for violation of my FERPA rights. This may include : Filing formal complaints with the U.S. Department of Education and other relevant regulatory bodies.

Initiating litigation to seek damages for any harm caused by the inaccurate reporting and potential disclosure of my private educational records.

I trust that you will give this matter the immediate attention it requires and ensure that my rights are upheld. I look forward to your prompt response and the resolution of this issue. 
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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy - 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 2025-04-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Request for Debt Validation and Deletion of Account from Credit Report Dear Sir or Madam, I am writing to formally request the validation of the debt that you have reported to the credit bureaus. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), I am requesting that you provide me with the following : Verification of the debt in question, including the original creditor 's name, the amount owed, and a detailed breakdown of the debt, as well as a copy of any agreement or contract under my signature that evidences my responsibility for this debt. 


A wet signature on the original agreement or any documentation that would show my liability for this debt. This is to ensure that the debt is indeed mine, and to verify the authenticity of the information you are reporting. 


Please note, according to the Fair Credit Reporting Act ( FCRA ), if you are unable to provide the required validation of the debt or if it is found that the debt is not mine, I demand that you immediately request the deletion of this account from my credit report with all three major credit bureaus ( Equifax, Experian, and TransUnion ). The failure to do so would be considered a violation of the FCRA, as you would be reporting inaccurate or unverifiable information. 
Further, I wish to bring your attention to the fact that if this request is not handled in compliance with the laws mentioned, your failure to provide the requested validation or removal of the account may be subject to litigation for violation of the following : The Fair Debt Collection Practices Act ( FDCPA ), which protects consumers against unlawful collection practices, including but not limited to the failure to validate debts.

The Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely reporting of credit information. If you fail to remove the disputed account after a proper validation request, you could be in violation of this law.

Please consider this letter a formal notice that I expect your prompt response within 30 days from the date of receipt. If I do not receive the requested validation of the debt within this time frame, I will consider this matter resolved in my favor and will pursue legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt and compliant response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
9 accounts was removed from my Experian report in XXXX of 2025 and as of XXXX/2025 they placed those 9 accounts back on my credit report without any notification. This has affected me tremendously and I would like for all negative items removed from my report. It is also in violation of 15 U.S. code 1681 i ( a ) ( 5 ) ( B ) of the FCRA. This section of the law requires that if an item is previously deleted from credit report and is reinserted the consumer must be notified in writing within five business days, including the certification of accuracy of the information and to my knowledge I have not received any such written regarding the reinserted items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MOHELA
State: NJ

Complaint narrative:
My student loans accounts were access and compromise without my authorization. My personal information was compromised as well which violates my family and personal rights under the FERPA privacy act. Given the severity of this breach my credit scores have been affected too. I request that you cancel my student loans debt immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I am reporting the unauthorized creation and use of several accounts that were opened in my name without my knowledge or consent. These accounts do not belong to me, and I have never given anyone permission to use my identity. I have taken the necessary steps to report this identity theft, including filing a police report and notifying the relevant institutions. I am urgently requesting that these fraudulent accounts be removed from my profiles and records immediately. I am providing this statement as part of my effort to resolve the damage caused by this identity theft and to protect my personal and financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I am reporting the unauthorized creation and use of several accounts that were opened in my name without my knowledge or consent. These accounts do not belong to me, and I have never given anyone permission to use my identity. I have taken the necessary steps to report this identity theft, including filing a police report and notifying the relevant institutions. I am urgently requesting that these fraudulent accounts be removed from my profiles and records immediately. I am providing this statement as part of my effort to resolve the damage caused by this identity theft and to protect my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Request for Debt Validation and Deletion of Account from Credit Report Dear Sir or Madam, I am writing to formally request the validation of the debt that you have reported to the credit bureaus. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), I am requesting that you provide me with the following : Verification of the debt in question, including the original creditor 's name, the amount owed, and a detailed breakdown of the debt, as well as a copy of any agreement or contract under my signature that evidences my responsibility for this debt. 


A wet signature on the original agreement or any documentation that would show my liability for this debt. This is to ensure that the debt is indeed mine, and to verify the authenticity of the information you are reporting. 


Please note, according to the Fair Credit Reporting Act ( FCRA ), if you are unable to provide the required validation of the debt or if it is found that the debt is not mine, I demand that you immediately request the deletion of this account from my credit report with all three major credit bureaus ( Equifax, Experian, and TransUnion ). The failure to do so would be considered a violation of the FCRA, as you would be reporting inaccurate or unverifiable information. 
Further, I wish to bring your attention to the fact that if this request is not handled in compliance with the laws mentioned, your failure to provide the requested validation or removal of the account may be subject to litigation for violation of the following : The Fair Debt Collection Practices Act ( FDCPA ), which protects consumers against unlawful collection practices, including but not limited to the failure to validate debts.

The Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely reporting of credit information. If you fail to remove the disputed account after a proper validation request, you could be in violation of this law.

Please consider this letter a formal notice that I expect your prompt response within 30 days from the date of receipt. If I do not receive the requested validation of the debt within this time frame, I will consider this matter resolved in my favor and will pursue legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt and compliant 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 non-monetary relief