vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: PA

Complaint narrative:
I asked XXXX and Equifax and transunion to verify this debt and I reported that the debt was not valid or my debt. That there were inaccuracy with these debts. They have not provided me with any documentation on how they investigated them. I explained the law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Until these debts are validated I asked them to be removed..

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 2025-03-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/25 Subject : Request for Deletion of Student Loan From My Credit Report Due to FERPA Violation To Whom It May Concern, I hope this letter finds you well. I am writing to request the deletion of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). The violation concerns unauthorized disclosure of educational records or failure to protect my privacy rights.

As you are aware, FERPA ensures that a students education records are kept confidential and are only shared under specific conditions. My FERPA was violated, such as unauthorized release of my personal information, discrepancies in amounts owed, disclosure to third parties without consent. 


This breach has caused significant harm, including mismanagement of my loan, impact on my credit, and unauthorized access to personal information. 

Given the violation of my privacy rights under FERPA, I respectfully request the deletion of my student loan ( XXXX ) associated with the accounts name : DEPT OF EDUCATIONXXXX  Account number XXXX. 
Amount : {$2200.00} Amount : {$3400.00} Amount : {$1800.00} Amount : {$3800.00} Amount : {$4900.00} Amount : {$2300.00} Amount : {$2300.00} Amount : {$5800.00} Amount : {$3500.00} Amounts : {$1800.00} Amount : {$3700.00} Amount : {$7200.00} Amount : {$2400.00} XXXX trust you will understand the severity of this matter and take appropriate action to resolve it promptly. 

Please confirm receipt of this letter and notify me of the actions taken. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution of my request. 

Sincerely, XXXX XXXX Account # 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 2025-03-15 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Late Closed XXXX XXXXXXXX {$1400.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$480.00} Date Opened : XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Late Closed XXXX XXXXXXXX {$1400.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$480.00} Date Opened : XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-15 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX but the school was closed due to predatory and deceptive practices. Since then my degree has been worthless. Credits were not transferable to other colleges and jobs dont recognize the diploma from a defrauded school. I owe {$20000.00} in private student loans to Navient, which now is serviced by XXXX. Ive applied to navient twice for the school misconduct application which would forgive my outstanding debt from XXXX XXXX both in XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and both times my application was denied. I provided proof that I have not been able to work in my field of study, proof that Ive been unemployed for two years, had to enter into a debt consolidation program to pay off credit cards to be able to make payments to navient. Proof that Ive been struggling financially through my income tax forms. Proof that XXXX has been sued on multiple occasions, and proof of its closure, yet Navient doesnt seem to care and continues to ignore the paperwork I sent them which I find completely unfair. They are aware that XXXX XXXX closed because of deceptive practices, but they still refuse to honor their school misconduct approvals. It even took me almost 5 months since XX/XX/XXXX of talking on the phone and getting the run around multiple times to get the school misconduct application sent to me, when I finally received it in XX/XX/XXXX and faxed it to them it was denied, then I sent further supporting paperwork which they requested over the phone in XX/XX/XXXX based on the first denial. They told me to fax them proof of my debt consolidation and my finances, and that this extra documentation would help my case. In XX/XX/XXXX I received an email from Navient that my application was denied again. There are students who went to XXXX XXXX and had their private student loans forgiven by Navient and I sent them proof of it, yet it seems to me they dont want to lose money by forgiving many of these predatory loans from XXXX XXXX XXXX so they only approve some which is completely unfair. I included pictures in the attachment section of other students whos school misconduct applications were approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
XXXXXXXX XXXX XXXXXXXX XXXX There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Grow Credit Inc
State: DE

Complaint narrative:
On XX/XX/year> I open up this same complaint and the company responded saying they saw that I didnt open the account and that is was going to be removed but never removed it off all XXXX credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: PA

Complaint narrative:
I asked XXXX and Equifax and transunion to verify this debt and I reported that the debt was not valid or my debt. That there were inaccuracy with these debts. They have not provided me with any documentation on how they investigated them. I explained the law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Until these debts are validated I asked them to be removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: DC

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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-03-15 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: OH

Complaint narrative:
Transunion credit bureau and XXXX XXXX. 

I contacted XXXX XXXX and informed them that I did not open an account with them. They informed me that the account was closed but I would have to contact the Transunion to have the account removed from my credit report. 

I contacted Transunion and filed a dispute to remove the fraudulent account. I shared I did not open a XXXX account and someone used my name/information. I asked that the account information be removed from my credit report. Transunion declined and stated the account is accurate. This is WRONG. I have never opened a XXXX account nor have a need for XXXX services. I am self employed and do not receive a paycheck, therefore, no need for advance money. 

In addition, it listed an old address from 2016 as a current address for the account, again fraudulent. 

Transunion 's finding are NOT accurate and the company is misleading and also listing fraudulent information on my credit report. I am reporting Transunion and would like the inaccurate information removed and Transunion disputed or reprimanded for providing false consumer information. Thank you so much!

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Name : XXXX XXXX My Social Security Number : XXXX My Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at A collections account listed with a XXXX  XXXX ( Private account number ), date opened : XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX  XXXX. 
A collections account listed with company XXXX XXXX XXXX ( Private account number ), date opened : XX/XX/XXXX that appears related to the aforementioned credit card account. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( ) and ( ) 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 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 2025-03-15 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$9900.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$2700.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$600.00}

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 2025-03-15 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$9900.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$2700.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$600.00}

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 explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$9900.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$2700.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
In XX/XX/year>, the Department of Government Efficiency ( DOGE ) gained access to the data systems at the Department of Education. This is in violation of the master promissory notes of all my federal student loans. First, I did not consent to this data access or sharing. Second, it is widely reported that the DOGE personnel taking these actions do not have any security clearance.

Company response to consumer: Untimely response