vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-16 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$20000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TN

Complaint narrative:
On XX/XX/year> ProCollect INC. ( PCI ) sent in the mail a letter stating " PCI will request deletion of your Account from your credit report and reduce the balance by 50 % if a payment of {$320.00} is received by XX/XX/year>. '' Per the instructions on the item received, I paid the {$320.00} online at PCI 's website pcipaymentservices.com. On Thu, XX/XX/XXXX, XXXX, I received email confirmation that my payment had processed stating : Your payment of {$330.00} has been processed. Which was the amount of the {$320.00} and online payment fees. 

Despite processing the payment before the stated date, PCI has not requested credit deletion or deducted the payment from the amount. When disputed, no information has been provided. 

PCI 's failure to uphold their written agreement 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This complaint is against PenFed Credit Union for failing to protect our money abroad. We used our ATM card to pull money out of a bank ATM in XXXX ( XXXX ) XXXX. XXXX is the XXXX bank. The ATM said the transfer went through but no money came out. We immediately went into the bank and they handed us a piece of paper that said not to worry the money will not be pulled from our bank if we did not receive the cash. We told them that we needed the transaction to be canceled so we could verify. We could see the {$400.00} was pulled out of our account by looking online. They locked us in the bank and told us they were not going to take any action to cancel. We called PenFed ( our bank ) in the US while we were locked in the bankand asked if we should call the local police or if our money would be safe. Penfed assured us that our money is protected and that we could leave the bank. They recorded that conversation. This happened on XX/XX/year>. It is now XX/XX/year> and we received a letter from PenFed stating that the {$400.00} credit they put in our bank will be canceled and that the transaction will go through as if we received the {$400.00}. Without providing any proof that we received the funds and without doing any type of investigation on their end. We had a local XXXX  speaking friend with us in the bank and XXXX XXXX assured him as well that our money was safe and would not be taken from our bank. All of this happened while they were continuing to allow other tourists to walk in and use the same atm. We started immediately diverting people away because the bank refused to do so. We have pictures of us in the bank and of the atm. XXXX XXXX ( at least that branch ) was clearly running a scam and our bank failed to protect us as well as led us astray in telling us it was safe to leave.

PenFed denied my dispute/claim without proper investigation, ignored clear evidence I provided, and failed to follow Regulation E. I would like to file a grievance.

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 2025-04-16 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: KS

Complaint narrative:
Within the last XXXX week I've submitted XXXX particular disputes against inaccurate information on my credit report. Each dispute has came back with a few days and I believe a proper investigation was not made for the matters. The accounts came back " verified by the companies '' but upon calling the companies, they stated I should file another dispute to get the accounts deleted. I don't believe my report is being taken seriously by Experian although it is hurting my credit score and lender relations.

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 2025-04-16 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: IL

Complaint narrative:
On XX/XX/year> I was in a bad domestic dispute that lead to me being hospitalized and all of my personal information being compromised. Ive since then have been seeing some things on my credit report that does not belong to me. I recently got a police report to show that I am a victim of identity that.

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 2025-04-16 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: IL

Complaint narrative:
On XX/XX/year> I was in a bad domestic dispute that lead to me being hospitalized and all of my personal information being compromised. Ive since then have been seeing some things on my credit report that does not belong to me. I recently got a police report to show that I am a victim of identity that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
I currently work full-time for a qualifying nonprofit and have done so continuously for over 10 years. My Direct Consolidation Loans, totaling {$460000.00}, have been serviced by XXXX XXXX, XXXX, and now MOHELA. According to MOHELA, I currently have

85 qualifying PSLF payments. However, I am missing 30 qualifying payments from XX/XX/XXXX to XX/XX/XXXX, which were incorrectly placed in an in-school deferment status by XXXX. XXXX later issued documentation confirming that the deferment had been waived and that this time period was reinstated as active repayment, making it eligible toward PSLF. This correction was not carried over during the transfer to MOHELA, and the 30 months remain missing from my record.

In addition, the five most recent monthsduring which I was in SAVE forbearance and had a pending IBR applicationare also not reflected in my PSLF payment count. Under current PSLF and SAVE guidance, these months should count toward forgiveness.

I have contacted MOHELA and the Department of Education multiple times via phone, email, and official feedback forms over the past several years. Despite these efforts, I have not received a clear explanation or resolution. My cases have often been closed without notice or any meaningful review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EdFinancial Services
State: LA

Complaint narrative:
On XX/XX/year> I was notified through my ( XXXX XXXX XXXX ) who I bank with that my XXXX XXXX has dropped significantly by XXXX point. I then went to app and discovered there had been several school loans opened through Edfinancial in my name made through XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I contacted them ( XXXX ) XXXX They told me to file police report which I did the next business day for identity theft. File number is XXXX and talked to Detective.XXXX With the XXXX XXXX XXXX XXXX XXXX.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 3 fraudulent inquiry 's. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$320.00}

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 non-monetary relief
Consumer complaint received 2025-04-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I would like to remove all previous addresses, aliases, and employers from my credit report for accuracy purposes.

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 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Marcus by Goldman Sachs froze my savings account for no justifiable reason and without any form of warning in early XXXX. I only learned of this after my direct deposit never showed up and after my monthly car payment bounced and was never withdrawn from the account. After reaching out, Marcus by Goldman Sachs claimed they froze my account because I never provided them my income information, which is absurd as I have had this account opened for many years. I now have been charged with late fees and my credit was impacted because of Marcus by Goldman Sachs ' actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: DEBT 0, INC
State: FL

Complaint narrative:
I enrolled in a debt relief program through a company called Deuda Cero in XX/XX/year>. The funds were managed by XXXX ( XXXX XXXX, XXXX ). I deposited a total of {$1200.00} into the account. However, none of the money was ever paid to my creditors. 

FORTH only refunded {$480.00} and claimed that Deuda Cero kept over {$700.00} in fees, despite never providing a breakdown or evidence of services rendered. I did not authorize these charges and was never informed clearly about how fees would be applied. I have attempted to contact Deuda Cero, but they have not responded, and my bank confirmed no contact has been made. 

I am requesting a full refund of the amount withheld and an investigation into these practices, as this has negatively affected my financial situation and credit.

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 monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose.

These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability.

Disputed Items Collections XXXX XXXX XXXX {$740.00} | Acct # : XXXX XXXX XXXX XXXX {$390.00} | Acct # : XXXX XXXX XXXX XXXX {$300.00} | Acct # : XXXX XXXX XXXX XXXX ( XXXX ) {$630.00} | Acct # : XXXX Closed Accounts XXXX XXXX XXXX XXXX {$29000.00} | Acct # : XXXX Hard Inquiry XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose Violations of Federal Law 1.15 U.S.C. 1681 ( Section 602 ( a ) ) Ensures the right to privacy and accurate reporting for consumers.

2.15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent.

3.15 U.S.C. 1681c ( a ) ( 5 ) Restricts inclusion of outdated or adverse information beyond reporting time limits.

4.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate.

5.Metro 2 Standards Require full compliance in data formatting, accurate account status reporting, and proper substantiation of derogatory claims.

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 2025-04-16 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 in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose.

These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability.

Disputed Items Collections XXXX XXXX XXXX {$740.00} | Acct # : XXXX XXXX XXXX XXXX {$390.00} | Acct # : XXXX XXXX XXXX XXXX {$300.00} | Acct # : XXXX XXXX XXXX XXXX ( XXXX ) {$630.00} | Acct # : XXXX Closed Accounts XXXX XXXX XXXX XXXX {$29000.00} | Acct # : XXXX Hard Inquiry XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose Violations of Federal Law 1.15 U.S.C. 1681 ( Section 602 ( a ) ) Ensures the right to privacy and accurate reporting for consumers.

2.15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent.

3.15 U.S.C. 1681c ( a ) ( 5 ) Restricts inclusion of outdated or adverse information beyond reporting time limits.

4.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate.

5.Metro 2 Standards Require full compliance in data formatting, accurate account status reporting, and proper substantiation of derogatory claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
Please remove these fraud accounts and inquiries from my credit report. Under the law you need to remove these Accounts that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
Please remove these fraud accounts and inquiries from my credit report. Under the law you need to remove these Accounts that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief