vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
This debt was dismissed in Civil Court on XX/XX/year> as There was no representation from LVNV FUNDING LLC, for court trial.related to A/C XXXX - XXXX XXXX XXXX XXXX as such please delete this A/C from my report orI will have to take legalaction

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: MOHELA
State: GA

Complaint narrative:
Unauthorized deletion or modification of my loan records by XXXX XXXX and XXXX I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosenberg & Associates Recovery Services
State: NY

Complaint narrative:
This company ( Rosenberg & Associates ) has been calling me repeatedly, threatening me over a debt that is either not mine or discharged in a bankruptcy ( XXXX ). Either way it's from XXXX Bank card, which I haven't had since early XXXX! XXXX man finally admitted that it was no longer valid and said he took me off their call list. However, they continue to call me multiple times if day since around XX/XX/XXXX till present day. Enough is enough. I do not owe any debt and my credit is now near perfect!

Company response to consumer: Untimely response
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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank because I noticed non-atm fees applied. After, some research, I noticed there were over XXXX non atm fees charged when it was not an atm transaction. When I informed the bank of this, they gave me some legal explanation as to why this occurred. I pointed out to them that since the transactions were not related to an atm, they are not within the right to charge it. I did manage to get XXXX out of XXXX credited back however I believe all fees should be refunded since these were not atm transactions. I called a couple times and sent secure messages but no was willing to help. They just kept telling me there was nothing anyone can do. 
I could see if I went to a non Chase bank atm, then naturally the fees are valid but this was not the case at all. If you ask me, its a loop hole and fraudulent. 

I look forward to hearing back.

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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX * * BALANCE : {$12000.00}, XXXXXXXX XXXX  XXXX * * BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against MohelaXXXX XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 
Complaint Details : XXXX. 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. 
XXXX. 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 agencys abolishment. 
XXXX. 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 an 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 2025-04-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 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 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: AK

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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I XXXX XXXX, natural woman, is an intervener attorney in fact for XXXX XXXX. It's my belief that this company without my consent used my information causing negligence and harm. I have no records on file of me contracting with this company, ChexSystems. Written instruction was never given to furnish such information. ChexSystems is in complete violation of my consumer rights. 

This is a misrepresentation of my person. My name is a sole proprietor and I am the trustee of my person. Where is their power of attorney to operate my estate and its property? Where is their court order from a competent court with jurisdiction? I am a victim of aggravated identity theft, this is in violation 18 usc 1028a. This company is causing harm to my by way of extortion and deception.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES 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 2025-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have received repeated phone calls daily, including Sunday before XXXX a.m. There are XXXX different company names ( XXXX, XXXX, XXXX XXXX  from XXXX, XXXX and XXXX ). Each company calls XXXX times per day while I'm at work. This week, they called my XXXX XXXX XXXX in a different state, they called XXXX XXXX XXXX XXXX XXXX XXXX private cellphone number and asked them to questions about me and noted that this was a collection matter for XXXX XXXX XXXX XXXX. 

I would like the following from each of these companies who are attempting to collect the same debt with various amounts. 

XXXX Who is the real collection agency who owns the debt? 
XXXX. Why is the debt different with each company? 
XXXX. What is the date this debt was incurred? And, what is the interest amount accrued? 
XXXX. I want to confirm that all XXXX agencies are not duplicating reports to the credit bureaus. 

Once I've received clarification, I would like to repay any true debt to the XXXX responsible agency.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Goal Structured Solutions, LLC
State: MI

Complaint narrative:
Contacted and sent a dispute on XX/XX/year> & XX/XX/year>. I also left a message by phone on XXXX XXXX no response back. Sent an email on today XX/XX/XXXX requesting information about the breakdown of owed balance, A promissory note that was signed by me and I asked for proof of an owed balance. The dispute I sent on XXXX XXXX XXXX was a quick investigation that took less than 30 days with no further explanation of resolved issues

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that immediate action be taken to investigate and remove this inquiry, as it is unjustified and negatively impacting my credit score and financial well-being. 

Equifax- XXXX XXXX XXXX/XXXX/2023 XXXX  - XXXX/XXXX/2023 XXXX XXXX  - XX/XX/scrub>/2023 XXXX  - XX/XX/scrub>/2023 Experian- XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX & XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023

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 — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to inform you that they have not provided the required debt validation information under 12 CFR 1006.34 ( b ) ( 15 ) .Untill and unless they provide the legally required disclosure and validation of this debt, they have no authority to report it to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I am selling my home. The Subordinate Mortgage is showing as a lien on the Title. Since XXXX I along with lawyers have been trying to acquire a Pay off for the XXXX. The Lien is showing as XXXX $ The Mortgage company said I had to get the payoff from HUD and HUD said the request had to come from Mr. Cooper. I have been trying to sell this home since XXXX. I have lost 2 buyers due to the fact that they will not release the pay off quote. I am about to lose the 3rd due to their inability to just give me the quote or tell me if it was a mistake to begin with. I did a loan modification and never actually received the money. I paid XXXX in arrears as well as XXXX in a bankruptcy after the modification was made. I was 3 months behind when i filed bankruptcy. I don't know why Mr. Cooper and HUD are refusing to release the payoff for the sub mortgage. I am moments before getting an attorney. This is causing my great stress and has since XX/XX/year>. My last contact with either of them was XX/XX/XXXX. I was told they would get the pay off in 2 days from HUD but now they will not answer my emails and have sent me a letter stating it would by 30 days before I would hear anything.

Company response to consumer: Closed with explanation