vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
Dear XXXX XXXX I am writing to formally dispute the validity and continued enforcement of the student loan referenced below due to multiple violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. Based on these breaches, I request immediate cancellation and discharge of the loan. Violation of FERPA Under FERPA ( 20 U.S.C. 1232g ), my educational records, including any financial aid or student loans information, are protected from unauthorized disclosure. I have reason to believe that my rights under FERPA have been violated in the following manner ( s ) : Unauthorized release of my student loan information without my written consent.

Failure to properly safeguard my educational records, exposing me to unauthorized third parties.

Misuse of my educational data in processing or reporting of my loan. 
Violation of the Privacy Act of XXXX  Additionally, under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), federal agencies and their contracted servicers must protect my personal information and prevent its unauthorized disclosure or use. I have identified the following violations of the Privacy Act : Failure to obtain my express written authorization before sharing or processing my personal information. 
Improper handling and disclosure of my Social Security number and other personally identifiable information ( PII ). 
Inadequate security measures, leading to potential unauthorized access to my loan data. 
Given the gravity of these violations, the improper handling of my private and educational records has directly impacted on the legitimacy and enforceability of this loan. Therefore, I am asserting my right to have this student loan immediately canceled and discharged.

Please provide a written response confirming the cancellation and discharge of this loan within 30 days of receipt of this letter. Failure to comply with this request may result in further legal action, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ).

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 2025-03-16 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: MD

Complaint narrative:
Dear Student Aid/FSA I am writing to formally dispute the validity and continued enforcement of the student loan referenced below due to multiple violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. Based on these breaches, I request immediate cancellation and discharge of the loan. Violation of FERPA Under FERPA ( 20 U.S.C. 1232g ), my educational records, including any financial aid or student loans information, are protected from unauthorized disclosure. I have reason to believe that my rights under FERPA have been violated in the following manner ( s ) : Unauthorized release of my student loan information without my written consent.

Failure to properly safeguard my educational records, exposing me to unauthorized third parties. 
Misuse of my educational data in processing or reporting of my loan. 
Violation of the Privacy Act of XXXX Additionally, under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), federal agencies and their contracted servicers must protect my personal information and prevent its unauthorized disclosure or use. I have identified the following violations of the Privacy Act : Failure to obtain my express written authorization before sharing or processing my personal information. 
Improper handling and disclosure of my Social Security number and other personally identifiable information ( PII ). 
Inadequate security measures, leading to potential unauthorized access to my loan data. 
Given the gravity of these violations, the improper handling of my private and educational records has directly impacted on the legitimacy and enforceability of this loan. Therefore, I am asserting my right to have this student loan immediately canceled and discharged.

Please provide a written response confirming the cancellation and discharge of this loan within 30 days of receipt of this letter. Failure to comply with this request may result in further legal action, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX  and the Federal Trade Commission ( FTC ).

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 2025-03-16 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: MD

Complaint narrative:
Dear Student Aid/FSA I am writing to formally dispute the validity and continued enforcement of the student loan referenced below due to multiple violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. Based on these breaches, I request immediate cancellation and discharge of the loan. Violation of FERPA Under FERPA ( 20 U.S.C. 1232g ), my educational records, including any financial aid or student loans information, are protected from unauthorized disclosure. I have reason to believe that my rights under FERPA have been violated in the following manner ( s ) : Unauthorized release of my student loan information without my written consent. 
Failure to properly safeguard my educational records, exposing me to unauthorized third parties. 
Misuse of my educational data in processing or reporting of my loan. 
Violation of the Privacy Act of XXXX  Additionally, under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), federal agencies and their contracted servicers must protect my personal information and prevent its unauthorized disclosure or use. I have identified the following violations of the Privacy Act : Failure to obtain my express written authorization before sharing or processing my personal information. 
Improper handling and disclosure of my Social Security number and other personally identifiable information ( PII ). 
Inadequate security measures, leading to potential unauthorized access to my loan data. 
Given the gravity of these violations, the improper handling of my private and educational records has directly impacted on the legitimacy and enforceability of this loan. Therefore, I am asserting my right to have this student loan immediately canceled and discharged.

Please provide a written response confirming the cancellation and discharge of this loan within 30 days of receipt of this letter. Failure to comply with this request may result in further legal action, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: SC

Complaint narrative:
On XX/XX/year> I contacted Transunion regarding information I provide to them to remove fraudulent account from my credit report. I spoke with someone in the fraud department, and they refused to remove the XXXX accounts. I submitted a police report and an FTC report. I also provide the UCC laws in the report as well.

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 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I recently opened an account with SoFi bank. They declined several transfers from another account and allowed repeated charges from a website I do not recognize. I will wait to receive the rest of my funds that were in my checking and savings account to dispute these charges because I was told by an agent that if I were to dispute these charges charges I would likely not receive my funds for 90 days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate XXXX account that appears on my credit report. The account details are as follows : Creditor Name : XXXX Account Number : XXXX Charge-Off Amount : {$1400.00} Written-Off Amount : {$2900.00} Date Opened : XX/XX/year> I have no knowledge of this account, and I believe the reported information is incorrect. This account is negatively impacting my credit, and I am requesting a full investigation into its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX : XXXX. Correction of Reported Information : The account with XXXX ( Account Number : XXXX ) was charged off as bad debt and listed with a balance of {$3500.00} in XX/XX/2014. However, the status of the account shows a profit and loss write-off with a balance of {$0.00} in XX/XX/2014, but no further updates or resolution have been provided. I request that this information be updated to reflect an accurate balance and status based on any settlements or agreements, if applicable. 
XXXX. Verification of Charge-Off : The account shows a charged off status, and if any resolution was reached after that, I request that it be reflected in the credit report, including the date of final settlement or payment ( if applicable ). If no settlement was made, the account should indicate that it was charged off and correctly show a {$0.00} balance if it has been paid. 
XXXX. Removal of Negative Impact : If the accounts charged-off status is inaccurate or unresolved, I request that it be removed from my TransUnion Credit Report XXXX If the charged-off amount is valid, it should be updated with the correct terms, including any payments or agreements made after the charge-off date. 
XXXX. Updated Credit Report : Once corrections are made, I request that TransUnion provide me with an updated credit report showing the correct status of this account, including whether it was paid off, settled, or accurately marked as charged off. 
XXXX. Written Confirmation : I request written confirmation from both XXXX and TransUnion that the necessary corrections were made, and the account was reviewed for accuracy. This confirmation should include an explanation of any updates made to the report. 
XXXX. Compensation for Damages ( if applicable ) : If this charged-off account has caused any negative impact on my credit score or resulted in denied credit or unfavorable terms, I request compensation for any damages resulting from inaccurate or unresolved reporting.

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 2025-03-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX SSN ( Last XXXX Digits ) XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Investigation and Deletion of Inaccurate/Outdated Information Under FCRA Dear Experian Dispute Department XXXX I am writing to formally dispute and request removal of certain inaccurate or outdated items appearing on my credit report dated XX/XX/XXXX. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information that is incomplete, inaccurate, or unverifiable. Please find the details below : XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) Late payments are inaccurately reported for XXXX and XX/XX/XXXX. I request verification of these dates. If unverifiable or inaccurate, please remove them under FCRA 611. 
XXXX. XXXX XXXX XXXXXXXX ( Account XXXX XXXX ) This account shows a charge-off and settlement. I dispute the accuracy of the reporting, especially the dates and balance written off. Please investigate and correct or delete the entry if it can not be verified. 
XXXX. XXXX ( Account # XXXX ) This account also shows a charge-off and settlement with multiple late payments. I dispute the completeness and accuracy of this reporting and request an investigation. If the entry can not be substantiated, it must be removed. 
Please complete the investigation within 30 days as required by FCRA 611 ( a ) ( 1 ). Upon completion, kindly provide written confirmation of the results and an updated credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

XXXX XXXX XXXX I am formally requesting the following actions : XXXX. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to have a rapid rescore on my credit report to reflect my current balances on my credit. The 3 other major credit bureaus do not give access or the ability to request credit rescore rapidly. Please help me thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: OH

Complaint narrative:
I been emailing the company XXXX XXXX XXXX XXXX XXXX NV XXXX Acct XXXX ( XXXX ) XXXX XXXX and disputing with Experian for last couple months They keep showing {$60.00} balance due and late for a debt that was included in Bankruptcy XXXX XXXX  on XXXX XXXX and XXXX XX/XX/year> Experian keeps validation of debt that is illegal to be having an open with balance due and late show it has to show XXXX balance due and included in bankruptcy that they will not change. Even with my Bankruptcy proof case XXXX XXXXXXXX to Judge XXXX XXXX XXXX in XXXX XXXX XXXX Ohio.

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 2025-03-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Debt is charged off and declared as bad debt to the IRS but never received a XXXX or any other notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This company said I own them XXXX how I never opened this account my information was involved with a credit card beach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 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