vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier is XXXX of the company of the FTC banned list. This list has companies and indivuals who are not allowed to collect a debt. Lanier is on the list and should not be reporting this debt to the credit bureaus. This medical collection is only reporting on my Equifax which makes this now be a FCRA violation being my credit report has to be XXXXXXXX XXXX accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Over the past XXXX years that I have been a Mohela borrower, after qualifying for XXXX, whenever I have to call for help with my account I am either stuck on hold for multiple hours, or I request to receive a call back and its never within the time frame given. The last XXXX times I have called Mohela, including today XXXX XX/XX/year> I have been hung up on while waiting on hold. Then when I call back it takes over twenty minutes to get into the line again to speak to a customer service representative. I have requested at least five times to have my loans removed from the " general forbearance '' they placed them in as I had been trying to update my XXXX plan, but due to the state of XXXX plans being held up by the Supreme Court I was instructed to wait on going forward with the renewal. After speaking with multiple Mohela customer service reps they assured me I would be removed from forbearance as I requested to discontinue the application process. They have yet to do so. My auto payments for my loans do not go throw because of this issue that they can not seem to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies and fraudulent reporting on my Equifax credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax has reported multiple closed accounts and hard inquiries that are fraudulent and unauthorized, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as inquiries by XXXX XXXX XXXX XXXX  XXXX I have formally disputed these with Equifax and submitted a self-attestation letter affirming these accounts were not authorized by me. 

Under the FCRA, I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. Equifax has failed to remove fraudulent accounts despite clear notice and proof, causing ongoing harm to my credit profile. 

I am requesting CFPB intervention to ensure Equifax immediately deletes all fraudulent entries and inquiries and complies with FCRA requirements. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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, XXXXXXXX XXXX XXXX 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 2025-04-25 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, XXXXXXXX XXXX XXXX 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 2025-04-25 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

.

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 2025-04-25 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: NJ

Complaint narrative:
This is not the first time I am raising this issue, and I must emphasizethis complaint is not submitted in error. Despite previous attempts to address the matter, my credit report still contains inaccurate information that has yet to be corrected. 

These discrepancies are not only misleading but are also continuing to cause significant harm to my credit standing and personal well-being. I am deeply frustrated and disheartened by the lack of resolution after multiple efforts to fix this. The ongoing impact on my financial stability is unacceptable.

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 2025-04-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-25 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-25 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-25 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: NY

Complaint narrative:
Im writing to formally dispute several serious errors in the billing and reporting of my account that have negatively affected my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to apply payments accurately and provide clear, timely statements. However, multiple payments I made were either misapplied or not recorded at all, and the balances reported contain obvious miscalculations. Additionally, I was never given the required 21-day advance notice before a payment was duethis makes any resulting late marks invalid. These mistakes are not only damaging but also violate my rights under federal law.

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 2025-04-25 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: VA

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 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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Yes the name of the debt collection agency was XXXX XXXX XXXX XXXX. And they were attempting to collect a debt for PayPal supposedly for {$31.00} and I called the number of theirs and they told me it was being recorded so I told him it was all I was also recording and they transferred me and then they said that supposedly PayPal withdrew the debt and I went online and found many complaints of this being a scam or a fraud agency and wanted to report it for the people that dont catch it and pay it and let these people keep on scamming people out of money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was rerouted to a customer service rep in XXXX who after asking me personal information like my social and middle name then told me that they could not pull up my credit profile and that was it. It just cant be done.

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 2025-04-25 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: WA

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 non-monetary relief
Consumer complaint received 2025-04-25 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: WA

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 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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
Dear [ Broadview ], I am writing to dispute an item on my credit report. I recently reviewed my report and noticed a repossession entry listed under the name XXXX. I would like to formally dispute this account because this is not my account. Creditor Name : XXXX Account Number : XXXX I request that you investigate this matter and remove the inaccurate repossession record from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). I have asked your establishment for proof of my signatures stating that I was responsible for this debt, to this day you have not provided that to me. Please complete your investigation within the XXXX period mandated by the FCRA and notify me in writing of the results at the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank is refusing to cash a U.S. Bankissued cashiers check despite valid ID and full compliance. They have not cited a valid reason and appear to be stalling or attempting to coerce account opening. I am a non-customer and understand there may be a fee, which Im willing to pay. I am currently in their branch and being denied access to funds legally owed 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 explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies and fraudulent reporting on my Transunion credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Transunion has reported multiple closed accounts and hard inquiries that are fraudulent and unauthorized, including accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as inquiries by XXXXXXXX XXXX XXXX XXXX XXXX I have formally disputed these with Transunion and submitted a self-attestation letter affirming these accounts were not authorized by me. 

Under the FCRA, I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. Transunion has failed to remove fraudulent accounts despite clear notice and proof, causing ongoing harm to my credit profile. 

I am requesting CFPB intervention to ensure Transunion immediately deletes all fraudulent entries and inquiries and complies with FCRA requirements. 

Thank you for your urgent attention to 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 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Associated Credit Services, Inc.
State: MD

Complaint narrative:
I am writing to dispute an account that was opened without my knowledge or consent. i recently became aware of this unauthorized account, which I believe was fraudulently opened at the XXXX XXXX theme park. I did open this account and have never entered into any agreement with your company. This appears to be a case of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 a victim of identity theft and i would like this account removed immediately within XXXX days.

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 2025-04-25 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting and Collections Following Department of Education Abolishment To Whom it May Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of a student loan debt that is now legally void following the 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 agencys abolishment.

3. Unfair and Deceptive Practices- The continued collection of these debts constitutes a violation of my rights under 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 a collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, 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 2025-04-25 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:
Subject : Illegal Student Loan Reporting and Collections Following Department of Education Abolishment To Whom it May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of a student loan debt that is now legally void following the 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 agencys abolishment.

3. Unfair and Deceptive Practices- The continued collection of these debts constitutes a violation of my rights under 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 a collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, 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 explanation