vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-13 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 delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department XXXX Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-13 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:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Violation of FERPA and FCRA Request for Removal of Student Loan Accounts from Credit Report To Whom It May Concern, I am writing to file a formal complaint and request the immediate removal of student loan accounts listed on my credit report that violate my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ).

The accounts in question were reported to credit bureaus without my written consent or proper disclosure under FERPA guidelines. According to FERPA ( 20 U.S. Code 1232g ( b ) ), personally identifiable education recordsincluding financial aid, student loans, and enrollment statuscannot be disclosed to third parties, including credit bureaus, without prior written consent from the student.

No such consent was ever given in writing for the reporti
ng of these loans to Equifax, Experian, TransUnion, Innovis, or Sagestream.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. Since this authorization was never granted, the reporting of these student loan accounts constitutes an illegal furnishing of data.

Furthermore : 15 U.S. Code 1681s-2 requires furnishers of information to provide accurate data. Reporting without consent, in violation of FERPA, means the information is both unauthorized and unlawful.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) requires that unverifiable or unlawful accounts must be deleted from the consumers credit file after reinvestigation.

Given these facts, I demand the immediate deletion of all student loan accounts reported in violation of federal law and my educational privacy rights. If the student loans can not be verified with legal written authorization under FERPA, they must be permanently removed from my credit reports within 30 days of this notice.

Failure to comply will result in further legal actions, including civil claims under : FERPA : 20 U.S. Code 1232g FCRA : 15 U.S.C. 1681n and 1681o ( for willful or negligent non-compliance ) I respectfully request that the CFPB and FTC investigate this matter, and that the reporting agencies be compelled to produce documentation of my consent to report educational recordsif such documentation does not exist, the data must be removed.

Please notify me of the results of this investigation and the actions taken. 

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc.
State: TX

Complaint narrative:
XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Access to My Credit Report Re : Violation of 15 U.S.C. 1681b - Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized furnishing and/or access of my consumer credit report, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

According to this federal law, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, and in many cases, only with the consumer 's written authorization. I hereby state that I did not provide written consent or authorization to any individual, company, or third party to obtain or access my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
I am submitting this formal complaint against the U.S. Department of Education and its XXXX XXXX XXXX XXXX concerning unauthorized and improper reporting of my XXXX XXXX XXXX account ( s ) to consumer reporting agencies ( CRAs ), including but not limited to XXXX, XXXX, and TransUnion. 

The presence of these XXXX XXXX accounts on my credit reports constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically under 20 U.S.C. 1232g ( b ), which restricts the disclosure of educational records without prior written consent.

FERPA defines student loan records as part of a students education record. According to 20 U.S.C. 1232g ( b ) ( 1 ), no educational agency or institution receiving federal funds may release a students education records or personally identifiable information contained therein to third partiesincluding credit bureauswithout the prior written consent of the student. 

I have never provided explicit, written consent for the XXXXXXXX XXXX XXXX XXXX XXXX  to disclose XXXX XXXX XXXX  information to any consumer reporting agency. Therefore, reporting this information to the CRAs is a breach of my rights under FERPA. These actions also undermine the privacy protections that FERPA is intended to uphold.

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 2025-04-13 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: OH

Complaint narrative:
I am submitting this formal complaint against the U.S. Department of Education and its XXXX XXXX XXXX XXXX, concerning unauthorized and improper reporting of my XXXX XXXX XXXX account ( s ) to consumer reporting agencies ( CRAs ), including but not limited to Experian, XXXX, and XXXX. 

The presence of these XXXX XXXX XXXX on my credit reports constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically under 20 U.S.C. 1232g ( b ), which restricts the disclosure of educational records without prior written consent. 

FERPA defines student loan records as part of a students education record. According to 20 U.S.C. 1232g ( b ) ( 1 ), no educational agency or institution receiving federal funds may release a students education records or personally identifiable information contained therein to third partiesincluding credit bureauswithout the prior written consent of the student. 

I have never provided explicit, written consent for the Department of Education or XXXX to disclose my XXXX XXXX information to any consumer reporting agency. Therefore, reporting this information to the CRAs is a breach of my rights under FERPA. These actions also undermine the privacy protections that FERPA is intended to uphold.

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 2025-04-13 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: OH

Complaint narrative:
I am submitting this formal complaint against the U.S. Department of Education and its XXXX XXXX XXXX XXXX, concerning unauthorized and improper reporting of XXXX XXXX XXXX XXXX account ( XXXX ) to consumer reporting agencies ( CRAs ), including but not limited to XXXX, Equifax, and XXXX. 

The presence of these student loan accounts on my credit reports constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically under 20 U.S.C. 1232g ( b ), which restricts the disclosure of educational records without prior written consent.

FERPA defines student loan records as part of a students education record. According to 20 U.S.C. 1232g ( b ) ( 1 ), no educational agency or institution receiving federal funds may release a students education records or personally identifiable information contained therein to third partiesincluding credit bureauswithout the prior written consent of the student. 

I have never provided explicit, written consent for the Department of Education or XXXX to disclose XXXX XXXX XXXX information to any consumer reporting agency. Therefore, reporting this information to the CRAs is a breach of my rights under FERPA. These actions also undermine the privacy protections that FERPA is intended to uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases.

Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-13 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:
XX/XX/year> To : XXXX, XXXX, and TransUnion Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from Ally Financial, originally reported on my credit file. The details of the disputed account are as follows : Creditor : Ally Financial Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that XXXX, TransUnion, and XXXX immediately remove this unverifiable account from my credit report as well. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, XXXX, TransUnion, and XXXX are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that XXXX, TransUnion, and XXXX remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

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 2025-04-13 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : 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 2025-04-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year> XXXX XXXX reported that I was 90 days delinquent on XXXX XXXX XXXX XXXX. As a result of the reported information to the 3 major credit bureaus, my credit score has dropped down to the XXXX. The original servicer servicer of XXXX XXXX XXXX was XXXX. Until yesterday ( XX/XX/year> ), I was unaware of the repayment status of my loans, and the fact that XXXX XXXX XXXX had been transferred to a new servicer XXXX XXXX. The current balance of XXXX XXXX XXXX is now {$190000.00}. The monthly payment on this loan is XXXX XXXX I called XXXX XXXX yesterday ( XX/XX/year> ) to get this deleterious information removed from my credit report. XXXX XXXX has a program that will remove of this delinquent payment history from one 's credit history if an individual lives in an area of the country that was affected by a FEMA -declared natural disaster during the loan repayment period. I applied for this program yesterday, but was cautioned that I " probably will not qualify. '' I was granted a 3 month loan forbearance for future loan payments, but that forbearance will remove the delinquent payment history that is negatively affecting my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year> XXXX XXXX reported that I was 90 days delinquent on XXXX XXXX XXXX payments. As a result of the reported information to the 3 major credit bureaus, my credit score has dropped down to the XXXX. The original servicer servicer of XXXX XXXX XXXX was XXXX. Until yesterday ( XX/XX/year> ), I was unaware of the repayment status of my loans, and the fact that XXXX XXXX XXXX had been transferred to a new servicer XXXX XXXX. The current balance of XXXX XXXX XXXX is now {$190000.00}. The monthly payment on this loan is $ XXXX. I called XXXX XXXX yesterday ( XX/XX/year> ) to get this deleterious information removed from my credit report. XXXX XXXX has a program that will remove of this delinquent payment history from one 's credit history if an individual lives in an area of the country that was affected by a FEMA -declared natural disaster during the loan repayment period. I applied for this program yesterday, but was cautioned that I " probably will not qualify. '' I was granted a 3 month loan forbearance for future loan payments, but that forbearance will remove the delinquent payment history that is negatively affecting my credit reports

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