vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom it May Concern, I am filing a formal complaint against XXXX XXXX, and XXXX  for

continued reporting and collection of student loan debt that is now legally void following executive order to abolish the U.S Department of Education Complaint Details 1. Illegal Credit Reporting- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education . 2. Failure to Verify Legitimacy of Debt - The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agency 's abolishment. 3. Unfair and Deceptive Practices- the continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C 1681 and FDCPA ( 15 U.S.C. 1692 ) I demand and immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Synovus Bank
State: GA

Complaint narrative:
I brokered a XXXX XXXX deal on XX/XX/XXXX for a corporation that owned a property in Georgia, the property was sold and the buyer was satisfied there was due diligence through closing attorney and title pull, here it is XXXX the closing attorney contacted his bank which then contacted my bank and said it was wire fraud. 
but i had no idea this was going on, I found out because synovus bank called me and the teller asked me if i had an incoming wire and i said no, because I did not have an incoming wire she then proceeded to ask me about this incoming wire and I told her no later on that night I seen that I couldn't log into my account. 
so the next day I walked into the branch that contacted me to see what the issue was the lady that called me told me that it wasn't an incoming wire it was a wire that I received in XXXX, I told her yes I am familiar with this transaction it was from a real estate deal and I went into the bank with the closing documents. The next day i seen my account was still frozen and I waited for the following day to see if there was gon na be a change and there was still a block on my account but this time i was locked out all of my accounts, so i went into local branch again this time I had an attorney friend on the phone trying to get some kind of direction and timeline of what I should do next the teller got frustrated and went into the XXXX 's office the attorney told me to contact him after I leave bank and to let him know what the outcome was. 
After about XXXX mins I realised that the bank XXXX went to the back and called the police I was then placed in XXXX for about an hour and never had my XXXX rights read to me i sat in the police car for about an hour waiting on XXXX the XXXX finally showed up and asked me if I would like to talk to him I said no, He went into the bank and came out of the bank and stated that there was no actual victim here and they still took me to the precinct I sat there for maybe XXXX hours waiting for a judge to sign warrants the judge finally signed warrant and they had a theft by taking and money laundering charge for me. 
I never commited a crime at XXXX I've been a customer with synovus bank for over XXXX years they called the police to cover their XXXX because I told them I was seeking a lawsuit You can't freeze my account for hearsay and assumptions made from a third party I received this wire in XXXX you froze my accounts In XXXX, and also I was sent to jail on false accusations for asking about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: GA

Complaint narrative:
I am filing this complaint because Equifax has failed to remove several disputed accounts from my credit report, even though XXXX has already removed the same accounts following their investigation. This inconsistency indicates that Equifax did not conduct a proper or thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ).

Equifax is in direct violation of its legal obligation to ensure that all information reported is accurate and verifiable. I am demanding the immediate removal of these accounts from my Equifax credit report. Failure to do so demonstrates non-compliance with federal law and adversely affects the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX. The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to Section 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other related information ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ).

Additionally, please provide me with written notification of the action taken in response to this request within five business days ( see 12 CFR 1022.142 ( f ) ).

CREDIT BUREAU Accounts : Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$36000.00} Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$32000.00} Creditor : XXXX  Date Reported : XX/XX/XXXX Balance : {$26000.00} Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Balance : [ Not listed ] Creditor : XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$4300.00} Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$370.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-04-23 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IA

Complaint narrative:
On XX/XX/XXXX, I sent a certified debt validation request to XXXX XXXX XXXX regarding a {$2300.00} collection account they reported. They never responded, yet TransUnion marked the account as " verified '' after my dispute. The account is inaccurately reporting the date opened as XX/XX/XXXX, even though the alleged debt originated on XX/XX/XXXX. This re-aging violates the Fair Credit Reporting Act ( FCRA ). Additionally, the account is missing the required " disputed by consumer '' notation, and TransUnion failed to investigate the furnishers noncompliance. Despite clear violations of the FDCPA and FCRA, the tradeline remains on my credit report. 

I am requesting deletion of the account due to inaccurate reporting and failure to investigate.

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 2025-04-23 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 a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
I am increasingly frustrated that my credit report continues to reflect inaccurate and incomplete information. Despite several attempts to resolve these issues, they remain uncorrected and are negatively impacting my creditworthiness.

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 2025-04-23 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-24 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:
These accounts are showing up under my name without my knowledge or permission. I never opened or managed them. This is unacceptable and misrepresents my financial history. I take my credit very seriously, and seeing these unauthorized accounts is deeply concerning. I need immediate answers about why theyre on my report and who is behind reporting them.

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 2025-04-23 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: FL

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence.

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-04-23 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: CL Holdings LLC
State: LA

Complaint narrative:
I sent a letter asking Jefferson capital two validate this debt and to prove that they had legal authority to collect the debt. This debt should have been off of my record already. The original creditor was XXXX and they have sold this debt multiple times to multiple different collection companies they original balance was {$660.00}. I sent the letter certified mail return receipt requested on XX/XX/year>. I got a reply back from them the first week of XXXX with another collection letter and two pieces of paper that they considered was verification of this debt. The account is showing that it was opened a few months ago, which is hurting my credit and causing me to get denied When I apply for things. Section 605 and section 611 of FCRA states they have to conduct a reasonable investigation and fix the errors of remove the account from my report. They did neither one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and attempted to obtain my full credit file from Equifax to investigate unauthorized access to my personal information. 

On XX/XX/year>, I contacted Equifax by phone and was required to verify my identity by submitting my drivers license ( front and back ) and a live photo of myself. Equifax opened Case # XXXX and acknowledged my request, yet failed to send my credit file. 

I followed up with a certified written request on XX/XX/year>, using the official request form provided by XXXX. I included my valid photo ID and proof of address. The package was delivered and signed for on XX/XX/year>, as confirmed by USPS return receipt. 

On XX/XX/year>, I received a letter from Equifax stating that my documents were either unclear or did not match their records. This is false and misleading. The same documentation was accepted by XXXX  and XXXX, and both bureaus fulfilled my request without issue. 

I believe Equifax has willfully violated the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) by refusing to provide my consumer disclosure after full verification.

Due to their noncompliance, Ive experienced emotional distress, delays in my identity theft investigation, and obstruction in reviewing possible unauthorized credit inquiries. I have since filed a small claims lawsuit in XXXX XXXX, Texas, on XX/XX/year>, to protect my rights and hold Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage company asked me to upload my insurance coverage which i did and they they came back and told me we need proof of insurance coverage for last year or we charge you XXXX XXXX Well i already provided the proof of insurance every year. How come they haven't asked me for my insurance converage last year why now? 

Number two issue, they increased my payment for no reason although i do not have an escrow account so i pay my own taxes and my own insurance and my interest rate is fixed so there is no way they increase my payment for any reason. I talked to them many times, all i get is nonsense answers that don't get my concerns answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief