vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
ACCORDING TO 15 U.S.C. 1681B A CREDIT INQUIRY MAY ONLY BE MADE UNDER CERTAIN CIRCUMSTANCES AND FOR PERMISSIBLE PURPOSE. ADDITIONALLY, UNDER 15 U.S.C. 1681i, I HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME, AND I REQUEST THAT THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION

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 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX # XXXX SS # XXXX Date : XX/XX/year> To : XXXX XXXX, / XXXX Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Subject : Immediate Request for Student Loan Discharge Due to Privacy Breach and Violation of FERPA To Whom It May Concern, I am writing to formally demand the immediate discharge and cancellation of my federal student loan debt due to a serious and unauthorized breach of my personal and financial information. 

As protected under the Family Educational Rights and Privacy Act ( FERPA ), my student records and identifying information are to be kept confidential and safeguarded at all times. The unauthorized access and compromise of my personal and financial data constitute a direct violation of FERPA, as well as a breach of your fiduciary and legal responsibilities as a federal loan servicer. 

Given the severity of this breach and the risks it poses to my identity, credit, and financial stability, I am requesting urgent action to cancel and discharge the full balance of my student loan. This request is made not only in accordance with my rights under federal privacy laws but also as a matter of equity and corrective action for your failure to protect my sensitive data. 

Please confirm receipt of this request in writing and provide a timeline for resolution. If I do not receive a timely and appropriate response, I am prepared to escalate this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX Ombudsman XXXX, and other relevant authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX # XXXX SS # 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 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX # XXXX SS # XXXX Date : XX/XX/year> To : XXXX XXXX, / XXXX Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Subject : Immediate Request for Student Loan Discharge Due to Privacy Breach and Violation of FERPA To Whom It May Concern, I am writing to formally demand the immediate discharge and cancellation of my federal student loan debt due to a serious and unauthorized breach of my personal and financial information.

As protected under the Family Educational Rights and Privacy Act ( FERPA ), my student records and identifying information are to be kept confidential and safeguarded at all times. The unauthorized access and compromise of my personal and financial data constitute a direct violation of FERPA, as well as a breach of your fiduciary and legal responsibilities as a federal loan servicer. 

Given the severity of this breach and the risks it poses to my identity, credit, and financial stability, I am requesting urgent action to cancel and discharge the full balance of my student loan. This request is made not only in accordance with my rights under federal privacy laws but also as a matter of equity and corrective action for your failure to protect my sensitive data. 

Please confirm receipt of this request in writing and provide a timeline for resolution. If I do not receive a timely and appropriate response, I am prepared to escalate this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Student Aid Ombudsman Group, and other relevant authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX # XXXX SS # 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 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX # XXXX SS # XXXX Date : XX/XX/year> To : XXXX XXXX, / XXXX Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Subject : Immediate Request for Student Loan Discharge Due to Privacy Breach and Violation of XXXX To Whom It May Concern, I am writing to formally demand the immediate discharge and cancellation of my federal student loan debt due to a serious and unauthorized breach of my personal and financial information.

As protected under the Family Educational Rights and Privacy Act ( FERPA ), my student records and identifying information are to be kept confidential and safeguarded at all times. The unauthorized access and compromise of my personal and financial data constitute a direct violation of FERPA, as well as a breach of your fiduciary and legal responsibilities as a federal loan servicer. 

Given the severity of this breach and the risks it poses to my identity, credit, and financial stability, I am requesting urgent action to cancel and discharge the full balance of my student loan. This request is made not only in accordance with my rights under federal privacy laws but also as a matter of equity and corrective action for your failure to protect my sensitive data. 

Please confirm receipt of this request in writing and provide a timeline for resolution. If I do not receive a timely and appropriate response, I am prepared to escalate this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX Ombudsman XXXX, and other relevant authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX # XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I have incorrect addresses reporting on my credit report due to identity theft.

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 2025-06-05 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: IL

Complaint narrative:
I have incorrect addresses reporting on my credit report due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am writing to formally dispute late payments currently being reported on my credit file in connection with the following accounts : Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) Section 611. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record being reported is either outdated, incomplete, or otherwise inconsistent with my payment activity.

I am requesting a full reinvestigation of this account. Unless the late payment can be verified with complete and accurate documentation, including timestamped internal logs or notices from the creditor, this information must be removed immediately from my credit report and updated to paid as agreed. 
Please provide the results of your investigation, along with the name and contact information of the furnisher that verified the data. If your system continues to report unverifiable payment history, I reserve the right to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 
Thank you for your attention to this matter. 
Best regards,

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 2025-06-05 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute late payments currently being reported on my credit file in connection with the following accounts : Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Late Payment Reported : XX/XX/XXXX I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) Section 611. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record being reported is either outdated, incomplete, or otherwise inconsistent with my payment activity.

I am requesting a full reinvestigation of this account. Unless the late payment can be verified with complete and accurate documentation, including timestamped internal logs or notices from the creditor, this information must be removed immediately from my credit report and updated to paid as agreed. 
Please provide the results of your investigation, along with the name and contact information of the furnisher that verified the data. If your system continues to report unverifiable payment history, I reserve the right to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 
Thank you for your attention to this matter. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: RI

Complaint narrative:
The account, XXXX  XXXX, ACCOUNT # XXXX * * * * was charged off on the following date ( XX/XX/XXXX ). Since then the account has repeatedly been updated as charged off every month ( see attached a copy of my Transunion Report dated XX/XX/XXXX concluding their investigation ). This false reporting is an update to the payment history. A charged off account should NOT include an active payment history. This INACCURATE information falsely manipulates the statute of limitations. Transunion has failed to reinvestigate this account and Transunion 's neglect has violated my rights per the FCRA. Transunion has FAILED TO PROVIDE PROOF TO VERIFY XXXX  XXXX, ACCOUNT # XXXX * * * * INACCURATE REPORTING INFORMATION. The return response from Transunion is verified as accurate I am now demanding Transunion to provide proof for the method of verification of these inaccuracies, if Transunion can not provide proof, remove the inaccurate account from my report. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : XXXX ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, and inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank is reporting a Home Depot credit card on my credit reports with late payments and a current balance. This account was opened in XX/XX/XXXXduring a period when my identity and personal information were misused and distributed without authorization. I am submitting my FTC Identity Theft Report and passport ID as formal notice under FCRA XXXX. Citibank failed to verify identity, consent, or accuracy before furnishing this tradeline to the credit bureaus. This violates FCRA XXXXe ( b ), XXXXXXXX ( a ), and XXXX ( b ). The continued reporting of this item is causing harm and must be removed under federal identity theft protections.

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 2025-06-05 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:
XXXX is reporting a XXXX XXXX credit card on my credit reports with late payments and a current balance. This account was opened in XX/XX/XXXX during a period when my identity and personal information were misused and distributed without authorization. I am submitting my FTC Identity Theft Report and passport ID as formal notice under FCRA XXXX. XXXX failed to verify identity, consent, or accuracy before furnishing this tradeline to the credit bureaus. This violates FCRA XXXX ( b ), XXXX ( a ), and XXXX ( b ). The continued reporting of this item is causing harm and must be removed under federal identity theft protections.

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 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My private student loan was PAID IN FULL on XXXX but XXXX XXXX, XXXX and Mohela have continued to charge payments. They are evading my questions and requests for documents ( e.g. charges for the life of the loan, interest ) when I have proof that the loan was paid off on the above date. I have sent messages to them regarding refunds due to overpayment, but to no avail. When I called to ask for my promissory note, the agent asked me, " Do you mind telling me why you need this? '' That was a very suspicious response. My bank is working with me to recover some of the money, but I need a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00}

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 2025-06-05 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

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 2025-06-05 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

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 2025-06-05 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5100.00}

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