vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the XXXX XXXX charge-off entry reported on my credit reports with TransUnion, XXXX, and XXXX. The account, identified by the number ending in XXXXXXXX XXXX XXXX XXXX XXXX, has a reported balance of {$2000.00}. This charge-off entry is inaccurate, and I have not been provided with any documentation or notice of this charge-off. There was no prior communication from XXXX XXXX informing me of this debt being charged off, nor was I given an opportunity to dispute the balance directly with them. This has caused significant harm to my creditworthiness and financial reputation. I suspect that this charge-off could have originated from either a clerical error or, more likely, a data breach, leading to inaccurate reporting. I have not been given any proper documentation or validation of this debt, nor any chance to correct this mistake before it was reflected on 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 non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I have no knowledge of this company. I request this inquiry be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 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 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 2025-05-01 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: CO

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 2025-05-01 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: CO

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 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 2025-04-30 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MO

Complaint narrative:
On XX/XX/XXXX I signed up for the Wise App to make wedding payments to vendors for services in XXXX. The intended vendor is XXXX XXXX. While searching this XXXX XXXXXXXX came up instead acting as this vendor. I sent the money and was informed by the intended business they did not receive payment I called my bank to report fraud. They asked me to try to settle it through Wise App first. Wise communicated they would investigate but nothing was resolved. They refused to provide me with their customer, XXXX XXXX banking info, email, company services, product, or phone number. 
I have requested XXXX times through the app to XXXX XXXX for the money to be returned or prove a service or product they provided. I have not received any communication from them. Wise decided to close the case without without any information on how they handled the investigation or outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
My daughter tried to make a payment, twice, she didn't think they went through so i made a payment of XXXX, posted on XX/XX/XXXX, when two payments of the same amount hit her bank they were flagged as potential fraud, the bank out a stop on the payments, now i have found out that my account was closed due to the two payments that the bank put a stop on, no notice to me. I've had this card for over XXXX years. It was not a bill not being paid but confusion on how many times it was paid. The representative I spoke with on the phone was condescending and said she could not help it was policy. The card was never over due.

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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, My student loans were from a school that closed during my time getting my degree. School announced during my tenure they would be closing the doors. I was left scrambling about my degree. Once school being closing they shuttered the staff so I was left without counseling. I was preparing for loan forgivingness and now it's on hold due to the current policies. This loan which I plan to fight should not have late payments I would like the late payments removed from my credit report. I plan to pay this is full but I need the current late payments removed. This loan was on loan forgiveness under the last president and sat in holding forever then when the new president came the loan was immediately due. I will get caught up but this is having a major impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

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

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I've received XXXX letters from the " collectors ''. I threw the last one out because I thought it was fraudulent. I just got another today, with date of notice XX/XX/year>. This is the letter as it reads : " Dear : XXXX XXXX XXXX Our company, Credit Bureau Systems , Inc. represents your creditor ( s ) as collection agents in connection with the Balance Due listed above. Please contact us at your convenience to discuss your account ( s ). When calling, please have your account number ready so that we may best assist you. 

Thank you for your cooperation. '' There's a phone number, address to mail payment to, and an email address to reach out to them " XXXX ''. Above it lists a balance of {$280.00} but has no description of where the debt is from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

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 non-monetary relief
Consumer complaint received 2025-04-30 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: WA

Complaint narrative:
In XX/XX/year> The Department of Government Efficiency ( DOGE ) was instructed by XXXX XXXX to gain access to the internal systems and databases within the Department of Education which includes the financial aid database that has all the personal and private information of the individuals that have used the Department of Education. Having that said, my private information ( SSN, name, address, etc. ) is in that database. It was my understanding that when I signed for the student loan my information would be protected and not shared without my consent, and I did not consent to XXXX or anyone to review my loans, and private/protected information. Along with that I checked my credit around the XXXX of XXXX and my student loan was with XXXX and when I checked it today my loan says it is with a company i have never heard of nor signed anything with. I would like to have my student loans discharged/canceled due to this breach of security, failure to protect my private and personal information and giving my loan to someone else all WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MOHELA
State: WA

Complaint narrative:
In XX/XX/year> The Department of Government Efficiency ( DOGE ) was instructed by XXXX XXXX to gain access to the internal systems and databases within the Department of Education which includes the financial aid database that has all the personal and private information of the individuals that have used the Department of Education. Having that said, my private information ( SSN, name, address, etc. ) is in that database. It was my understanding that when I signed for the student loan my information would be protected and not shared without my consent, and I did not consent to DOGE or anyone to review my loans, and private/protected information. Along with that I checked my credit around the XXXX of XXXX and my student loan was with XXXX and when I checked it today my loan says it is with a company i have never heard of nor signed anything with. I would like to have my student loans discharged/canceled due to this breach of security, failure to protect my private and personal information and giving my loan to someone else all WITHOUT my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: WA

Complaint narrative:
In XX/XX/2025 The Department of Government Efficiency ( DOGE ) was instructed by XXXX XXXX to gain access to the internal systems and databases within the Department of Education which includes the financial aid database that has all the personal and private information of the individuals that have used the Department of Education. Having that said, my private information ( SSN, name, address, etc. ) is in that database. It was my understanding that when I signed for the student loan my information would be protected and not shared without my consent, and I did not consent to DOGE or anyone to review my loans, and private/protected information. Along with that I checked my credit around the XXXX of XXXX and my student loan was with XXXX and when I checked it today my loan says it is with a company i have never heard of nor signed anything with. I would like to have my student loans discharged/canceled due to this breach of security, failure to protect my private and personal information and giving my loan to someone else all WITHOUT my consent.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to formally file a complaint against my mortgage servicer, Shellpoint Mortgage Servicing. 
I purchased my home in XX/XX/XXXX. As part of the closing process, I paid the first year of mortgage insurance in full. The servicing of my loan was transferred to Shellpoint in XX/XX/XXXX. 
In XX/XX/XXXX, I renewed my homeowner 's insurance policy and paid for a full year in advance. Despite this, Shellpoint has sent me a notice claiming I have not had insurance coverage since XX/XX/XXXX. This is completely inaccurate. I have maintained continuous insurance coverage as required and have repeatedly told them. 
Despite paying my mortgage and insurance on time, Shellpoint reported that I was late and short on paymentsallegedly due to force-placed insurance they claim was necessary. They also call me to pay for the insurance. I had no intention or need to pay for duplicate insurance coverage, especially when I had valid insurance already in place. This inaccurate reporting has now negatively affected my credit score, which is extremely unfair and damaging. 
I am requesting that this matter be investigated urgently. I have proof of payment. My insurance agency is XXXX XXXX. 
Thank you for your time and attention. I hope for a swift resolution to this issue to correct any inaccuracies and prevent further harm to my credit and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation