vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Attach this exact XXXX  evidence and say : This debt is being re-aged by Capio Partners. It is from a XXXX hospital visit and should not be listed as newly opened in XXXX. This is a clear FCRA violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AR

Complaint narrative:
b'I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that informatioXXXX 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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file concerning a closed mortgage account with XXXX XXXX  XXXX This account is currently reporting conflicting and inaccurate data across the XXXX major credit bureaus. 
Equifax reports the account as Not more than XXXX payments past due with a last update of XX/XX/XXXX and a worst delinquency of XXXX days past due. 
TransUnion lists it as 90 days past due with a last update of XX/XX/XXXX and the same level of delinquency. 
Experian shows the account was Transferred to another office and reports a 180 days delinquent status.

The payment history also shows NR ( Not Reported ) across all months, yet delinquency status is being applied without any substantiating data. I have previously disputed this account, but it remains unresolved and unverified in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681i, if the information can not be verified, it must be deleted. Further, 15 U.S. Code 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation upon notification of a dispute. This has not been done.

I respectfully request that the CFPB investigate this matter. If XXXX and the credit bureaus can not provide proper documentation verifying the delinquency, I request that the negative reporting be removed entirely from all 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 2025-04-18 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 ( MO ) 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 2025-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX works for e mortgage capital and was doing mortgage fraud. I have reached out to out to the owner and he refuses to make things correct. I lost my deposit and much more in this home buying process and took him to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a written dispute to Experian regarding fraudulent activity on my credit report as a result of identity theft. I am a victim of a data breach, and I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ), which was included in my dispute. 

I formally requested that Experian block and remove several unauthorized accounts and inquiries, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. These include : XXXX XXXX XXXX  XXXX {$2700.00} XXXX XXXX  {$550.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX totaling over {$80000.00} Hard Inquiries : XXXX XXXX  and XXXX XXXX I asked Experian to take action within the required XXXX business days and provide me with an updated copy of my credit report. I also cited multiple violations of the Fair Credit Reporting Act and informed them that failure to respond satisfactorily could result in a small claims lawsuit. 

Despite this, I have not received a satisfactory resolution or confirmation that these fraudulent accounts have been removed or blocked.

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 2025-04-18 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:
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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MN

Complaint narrative:
My loan was acquired by XXXX from XXXX XXXX years ago. XXXX still owns my private loan and XXXX of my federal loans but they have them being serviced by MOHELA per the MOHELA representative I spoke with on XX/XX/XXXX. I was informed that my interest rate on my private loan is 10.75 %, I incur {$180.00} a month/ {$6.00} a day. I pay {$260.00} total monthly and {$180.00} of that goes to the monthly incurred interest and {$78.00} goes to the principal. I have been making payments for over XXXX  years and they told me the only way to decrease my monthly is if I was XXXX or my school closed down for misconduct. I can never pay off this loan because the interest is incurring monthly is too high, it will never end. Please help. My original loan principal from XX/XX/XXXX : {$13000.00} My current balance of XX/XX/XXXX : {$20000.00} My total accrued interest : {$25000.00}, interest type : variable, Unpaid interest : XXXX. I have paid TWO TIMES the original loan amount that I borrowed in XXXX, in just interest alone! I want this private loan XXXX as paid in full. 

XXXX deferred my previous complaint to MOHELA, but I have already spoken to MOHELA who informed me that XXXX still to this day owns my loan. 

If I take this to court do I XXXX MOHELA or XXXX? XXXX owns my loans but uses MOHELA for their servicing and their name. 

I want my NAVIENT/MOHELA owned loans completely dischargedas I have already paid two times the amount I borrowed. XXXX uses crooked tactics. What they do is practically extortion, they threaten ruining your credit and legal action to pay 5 times the amount you borrowed at an interest rate that doesn't actually allow you to ever pay off the loan. They just change their names after their lawsuits and continue to harm and take advantage of the youth! XXXX XXXX, XXXX, and now MOHELA all the same root company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-18 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: NJ

Complaint narrative:
This is my final escalation regarding the repeated and unauthorized reinsertion of XXXX XXXX XXXX accounts into my Experian credit file. These accounts were deleted in XX/XX/year> after multiple disputes, yet they continue to reappearshowing a disturbing pattern of reinsertion and removal : reinserted on XX/XX/XXXX, deleted XX/XX/XXXX, reinserted XX/XX/XXXX, deleted again on XX/XX/XXXX and XXXX XXXX, and then reappearing yet again on XXXX XXXX. On XX/XX/XXXX, I received a credit monitoring alert from MyScoreIQ indicating an account update related to XXXX. I was shocked, as this account had already been deleted after previous disputes. To confirm, I paid out of pocket to pull a fresh credit reportand was shocked that not only XXXX, but XXXX accounts related to XXXX had been reinserted into my file, reinserted again without notice. This is not just negligence ; its willful noncompliance with multiple provisions of the Fair Credit Reporting Act. I never gave authorization for these accounts to be reported, violating XXXX XXXX. XXXX ( no permissible purpose ). No proper verification has been provided under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), and I never received the required written notice under XXXX ( a ) ( XXXX ) ( B ). Experian has failed to ensure maximum possible accuracy per XXXX ( b ), especially since the same accounts have been permanently removed by other bureaus. Ive already wasted a significant amount of my own money purchasing updated credit reports every week just to monitor this game theyre playing with my file. The constant reinsertion of previously disputed and deleted data is unlawful and has caused me financial harm, emotional distress, and unnecessary expenses. I am asking the Consumer Financial Protection Bureau to take actionbecause its clear Experian is manipulating my credit report, ignoring federal law, and refusing to correct this. I need your help to stop this abuse, enforce accountability, and ensure the permanent deletion of these accounts.

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 2025-04-18 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: NY

Complaint narrative:
Beginning in XX/XX/year>, I received a high volume of repeated phone calls and voicemails from Systems & Services Technologies XXXX Inc. ( SST ), using multiple numbers including XXXX and XXXX. I requested in writingon multiple occasions, including emails sent on XX/XX/XXXX and XX/XX/XXXX, XXXX all communication be conducted in writing only. Despite this, SST continued to call and text me, leaving several voicemails per week and sending frequent SMS messages. I also submitted a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), but they failed to respond with the requested documentation. 

In violation of my written request, SST persisted in calling and texting me, including on XX/XX/XXXX and XX/XX/year>. They claimed they could not discuss the account via email due to privacy concerns, despite already having emailed sensitive information to me previously. 

Their communication tactics have become harassing, and I believe they are in direct violation of FDCPA rules regarding ( XXXX ) repeated and excessive contact, and ( XXXX ) failure to honor a written-only communication request. I am filing this complaint because my rights as a consumer are being disregarded, and this behavior has continued even after ample opportunity for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MD

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 2025-04-18 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: IL

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 explanation
Consumer complaint received 2025-04-18 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have allot of points on my credit card. I used a small portion of those points on XX/XX/year>XXXX  to travel to XXXX XXXX. Upon my return Capital one reported there was fraud on my account and locked me out of my account. They are requesting I prove my identity to them before allowing me access to my account again. I have repeatedly sent them images of very personal documents including my state drivers license, passport, personal bank statement, my state property tax bill for my home residence. Nothing seems to be sufficient. They prefer me locked out because I have no charges on my card, and owe nothing. But I have points that they would have to owe me. Capital one continues to give me the run around with no intention of verifying my identity hoping I will become frustrated and give up abandoning my saved rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
I have reported to LexusNexis inaccurate information that has been reported on my credit report, resulting in denied new auto insurance. It was reporting on my credit report a car accident on XX/XX/year>. I never was involved and even visited the State of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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, 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 2025-04-18 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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