vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
I was a XXXX My tenant when they were asked to leave at the end of a lease somehow attached me to their utility bill for their new rental with XXXX XXXX. She failed to pay a bill and a charge for her new property utility bill showed up on my credit report. I reported it as fraud to XXXX. However XXXX  has a collections agency named Contract Callers inc. The collection agency left derogatory comments on all 3 credit bureau. I disputed and had it removed. But they just did it again. They are damaging my flawless credit without cause. I can't spend hours every 3 months disputing these false debt claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX ordered the Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid data that contains the personal information of millions of students enrolled in federal student aid programs. My own data has been compromised. XXXX and DOGE 's actions are a breach of FERPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is now the third time Im reaching out regarding a dispute I submitted concerning an account on my credit report that I firmly believe remains inaccurate and incomplete. Despite my previous efforts, the matter has yet to be properly reviewed, and the incorrect information continues to appear. 

Its becoming extremely difficult to remain hopeful, as theres no indication that a thorough investigation has been conducted. This ongoing issue has been deeply stressful and is significantly impacting both my well-being and my daily life. Im feeling completely exhausted and disheartened. 

Please note that I am personally submitting this disputeno third party is involved. All Im asking for is a fair, complete, and timely review of my concern. 

I would sincerely appreciate your urgent attention to this matter. Thank you for your time, patience, and understanding. 

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 2025-04-23 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: CA

Complaint narrative:
This is now the third time Im reaching out regarding a dispute I submitted concerning an account on my credit report that I firmly believe remains inaccurate and incomplete. Despite my previous efforts, the matter has yet to be properly reviewed, and the incorrect information continues to appear. 

Its becoming extremely difficult to remain hopeful, as theres no indication that a thorough investigation has been conducted. This ongoing issue has been deeply stressful and is significantly impacting both my well-being and my daily life. Im feeling completely exhausted and disheartened. 

Please note that I am personally submitting this disputeno third party is involved. All Im asking for is a fair, complete, and timely review of my concern. 

I would sincerely appreciate your urgent attention to this matter. Thank you for your time, patience, and understanding. 

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 2025-04-23 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: AL

Complaint narrative:
Several companies have improperly used my information with my permission to report several different acct to my credit report. 
XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for the amount of {$140.00} XX/XX/XXXX for the amount {$490.00} XX/XX/XXXX for the amount of {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX {$11000.00} XXXX {$110.00} XXXX {$210.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Also, the following addresses are reporting on my credit report and I have never lived there : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX

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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX  will not remove unauthorized inquiries. I did not give CBNA any permission to do a hard pull on my credit. I did not receive any product and service from this company. This is 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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosenberg & Associates Recovery Services
State: NC

Complaint narrative:
On XXXX XXXX had a message on her cell phone from XXXX and XXXX saying that XXXX XXXX must call about time-sensitive information on a debt. The phone number was from ( XXXX ) XXXX. My XXXX  didnt bother to call because she had a feeling that it was another spam call about a bogus debt. We had a previous experience like this that she reported a few years ago. 
The next spam call came through our land line from ( XXXX ) XXXX on XXXX. XXXX XXXX XXXX XXXX gave me a reference account number of XXXX. The collection of debt of XXXX XXXX was for around {$1500.00} for XXXX XXXX XXXX. He said it had been passed through XXXX collection agencies and now landed with Rosenberg and Associates. I told him I had my doubts and that I would report this if it turned out to be a scam. I hung up with nothing more being said. 
On the same day there was a XXXX  call on our land line from ( XXXX ) XXXX. Caller ID showed XXXX XXXX. No message was left. 
The next call came through my daughter 's cell line from ( XXXX ) XXXX. Voice mail said to call ( XXXX ) XXXX. She called the number ( to request a stop the calls ). She was told about the debt and again she let them know that if they were involved in a scam she would be collecting their phone numbers and turn them in to the Feds. They stuck to their story and put her through to a lawyer named XXXX XXXX. He got really testy about her questions. When she told him that her XXXX  had no unresolved debts, he realized that he was talking to XXXX XXXX  and not XXXX XXXX, so he told her he couldnt legally deal with her. She told him he wouldnt get any further with the situation if he didnt. He hung up on her. 
They called again from ( XXXX ) XXXX and left a message telling me that an XXXX of the XXXX  had been assigned to visit XXXX place of residence or place of employment between the hours of XXXX XXXX  to XXXX XXXX. If our attorney was not available to sign for this notice we should call ( XXXX ) XXXX before the end of the week of the notice. They said this message was proof that we had been notified and I could file a dispute through the court in XXXX  XXXX  of receiving notice. Since that date came and went we havent received any more calls.

Company response to consumer: Untimely response
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: TX

Complaint narrative:
I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Does noncompliance represents a clear infringements on my consumer rights. I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names must be removed. Addresses. Only the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be removed immediately I would like thi s in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Does noncompliance represents a clear infringements on my consumer rights. I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names must be removed. Addresses. Only the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be removed immediately I would like thi s in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit 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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am enrolled in an Income-Driven Repayment ( IDR ) plan and have made XXXX qualifying payments toward student loan forgiveness. I recently discovered that my loans were placed in forbearance without my request or notification, beginning in XX/XX/XXXX. This change has caused my recent payments to be marked ineligible, which is delaying my progress toward full forgiveness. 

On XX/XX/XXXX, I emailed Aidvantage ( my loan servicer ) requesting removal from forbearance, restoration of my IDR repayment status, and confirmation that I would not lose credit toward forgiveness. I have received no response. 

I have since submitted a new IDR application and selected the option to exit forbearance, but I want to ensure : My qualifying payment count is restored and continues uninterrupted. 

The forbearance is not extended or reapplied. 

Aidvantage is held accountable for failing to respond or provide transparency regarding my account changes. 

I am less than 10 months from forgiveness and this situation has caused unnecessary stress and delays. I am requesting the Consumer Financial Protection Bureau assist in securing an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I held a credit card with XXXX XXXX XXXX XXXX throughout the pandemic ( covid 19 ), and during that challenging time, I faced significant financial difficulties. I reached out multiple times for assistance but was not provided with any options for a forbearance plan. Instead, I found that interest and late fees were continuously added to my outstanding balance each month. The fund I had in my XXXX  XXXX checking account were also applied toward my credit card debt, which led my account going into negative. Out of nowhere, one the most abusing and aggressive collection company CAVALRY SPV I , LLC purchased my account from XXXX  XXXX. They began to harass me without knowing the proper cause of the debt. I was informed from my son that he received advertisement letters from multiples law firm Cavalry SPV I , LLC filed a lawsuit against me in court for a debt that I attempted to settle with XXXX  XXXX and was denied assistance. It seems these collection companies, backed by the law firms, are exploiting their influence within the court system to abuse and take advantage of everyday citizens. Under the fair debt Collection Practices and the Truth in Lending Act consumers are entitle to fair treatment in credit transactions, and protection against unfair debt collection practices. I would to request a full investigation regarding this matter. Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request for Immediate Removal of Unauthorized Inquiries from Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were not initiated or approved by me, and I have reason to believe they are the result of identity theft. As such, they should be removed immediately from my credit file. 

In accordance with the Fair Credit Reporting Act, I request that you investigate and delete all unauthorized inquiries that I have listed in the attached documentation. Additionally, I have filed an Identity Theft Report, which I have included with this letter for your records and review. This report further substantiates that I did not authorize these inquiries and that they are fraudulent. 

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this a formal request for the following : Immediate removal of all unauthorized credit inquiries from my credit report. 

A copy of the updated credit report reflecting these removals. 

Written confirmation that the fraudulent inquiries have been deleted. 

As a consumer, I have the right to accurate and fair reporting. These unauthorized inquiries are compromising the integrity of my credit file and must be rectified promptly. Please complete your investigation and provide a response within 30 days, as mandated by the FCRA. 

Thank you for your immediate attention to this matter. 


Enclosures : Identity Theft Report Copy of Government-Issued ID Proof of address

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