vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I am writing to file a complaint with EXPERIAN regarding the data reported on my credit file that has not been properly verified, proven valid, or documented as accurate and fully compliant. 

I have noticed questionable remarks on my credit report. As a consumer, I have the right to demand that these entries be deleted promptly in accordance with my federal and state consumer rights. I am submitting this complaint to ensure that the reported items comply with FACTA Title 1, Section 151, which clearly outlines the required procedures. 

XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX} Date Opened : XX/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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
My loans are currently be reported incorrectly and are now hindering my from moving forward with my program and also possibly losing out on my internship and set graduation date. Mohela is currently reporting that my loans XXXX and XXXX are showing consolidated, but loans XXXX are showing cancelled. This is incorrect. Loans XXXX are showing linked to my consolidation, therefore they should be reflecting in paid in full through consolidation NOT cancelled. I contacted Mohela in XXXX regarding this and waited XXXX days for a call back to be told that the school should be able to see that it was paid in full from the consolidation and award me still. I was then emailed an Over award letter that the rep stated however did not pertain to my situation, should still work. The school has since responded that they will not be awarding me but also dropping me from the current courses because the mistake puts me over my agg limit, which also hinders my graduation date, as well as my internship that is dependent upon that date. I have tried reaching out to Mohela via phone and email and no one has called back or responded to the email so I am filing a complaint to hopefully get my account updated in a timely manner as courses are monthly and I have been working on this since XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX. I made an outstanding balance payment of {$XXXX}. This would bring my account to XXXX. This would cancel garnishment of wages that they have started against me. Upon paying though their online portal, which is very tricky. Seems like I was charged XXXX times for the same amount. After relaxing the next day. I contacted my bank. However stop payments can not be made because I used my checking account and this was already taken out of my account. A total of {$XXXX} was over taken from my checking account. Upon calling them they pretended not to know anything and said it was XXXX balance. After demanding to talk to XXXX, by the way talking to XXXX in XXXX not in the XXXX. They said it was my mistake and there was nothing they can do. Waited another day and called on XX/XX/XXXX. I recorded this conversation. They said it was my mistake and it would take over XXXX  days for me to see any refund if there was any. How is easy is it to take money from someone but not easy to return it? Their website is made for people to make this mistake. This was money I needed for bills and medical issues. Im a XXXX time XXXX transplant patient and need constant care. Midland Credit is overwhelming taking advantage of our middle class people who find themselves in credit problems in todays economy. Hiring bull dog attorneys to after us consumer. Yes I got myself into this credit mess but also seem great at them time to be able to get some sort of credit. But XXXX and their partners are getting rich taking advantage of all of us. Something needs to be done. We are in XXXX and I have to wait more than XXXX  days for a physical check to be sent? Seriously! These guys are scammers and are the new age of thieves taking advantage of us. Something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX with Capital One regarding a charge made in XX/XX/XXXX for festival tickets. The XXXX XXXX festival was to occur in XX/XX/XXXX. The festival was postponed to XXXX. Then the ticketing platform XXXX went under and the festival shut down its website/emails and cancelled the event. I was never provided a refund for the {$XXXX} XXXX paid for a service I never received. Capital one opened up a dispute claim, denied it within XXXX days and then I escalated the issue to a supervisor who then denied it for the same reason ( because it was beyond the 60 day dispute window ) even though I provided documentation of all of my attempts to resolve the issue with the ticketing company and festival. I explained that I never would have been able to dispute it within the XXXX  days because the festival was not postponed and then cancelled until long after the XXXX  days. Capital One is refusing to issue a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
I signed up for a subscription with XXXX under the impression that they were a financial tool, but they falsely claimed to be a credit service. Nowhere was it disclosed that my account would be reported to the credit bureaus or that this could negatively impact my credit score. 

Within XXXX hours, I realized the service was not what was advertised and canceled my account. Despite this, XXXX reported the account to the credit bureaus without my consent, which resulted in a XXXX drop in my credit score. 

After requesting a full refund, they only refunded {$XXXX} of the {$XXXX} charged. I disputed the reporting, but XXXX has refused to remove themselves from my credit file, even though I never agreed to have them report my account in the first place. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or unauthorized information. Their deceptive practices have caused harm to my credit, and I am requesting immediate removal of this account from my credit report and a full refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
I signed up for a subscription with XXXX under the impression that they were a financial tool, but they falsely claimed to be a credit service. Nowhere was it disclosed that my account would be reported to the credit bureaus or that this could negatively impact my XXXX XXXX. 

Within XXXX hours, I realized the service was not what was advertised and canceled my account. Despite this, XXXX reported the account to the credit bureaus without my consent, which resulted in a XXXX drop in my XXXX XXXX. 

After requesting a full refund, they only refunded {$XXXX} of the {$XXXX} charged. I disputed the reporting, but XXXX has refused to remove themselves from my credit file, even though I never agreed to have them report my account in the first place. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or unauthorized information. Their deceptive practices have caused harm to my credit, and I am requesting immediate removal of this account from my credit report and a full refund.

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 2025-03-14 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:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account XXXX XXXX XXXX ... account number 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 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2  ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NC

Complaint narrative:
Multiple calls everyday, blocked a number, they use a different number

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 2025-03-14 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: MRS BPO, LLC
State: MO

Complaint narrative:
I HAVENT USED MY CREDIT FOR ALONG TIME, AND WERE TALKING ABOUT BUYING A HOUSE, SO I WENT TO CHECK MY CREDIT, AND SEEN ALL KINDS OF ACCOUNTS, ADDRESSES, AND NAMES, I UPLOADED MY IDENTIFICATION, SOCIAL SECURITY, AND TAX DOCUMENTS AS REQUESTED MY IDENTITY, ACCOUNTS, WITH MY INFORMATION WITH DIFFERENT LAST NAME, AND ACCOUNT WITH JUST MY FIRST NAME AND DOB, NO SOCIAL. ADDRESSES THAT I AM TOTALLY UNAWARE, SO I DISPUTED THESE SINCE XX/XX/XXXX, STATING SOMES ACCOUNTS OPENED IN XXXX XXXX IN A DIFFERENT STATE, WHEN I REACH OUT TO THE THE CONSUMER DIFFERENT DATES, SO REPORTING INFORMATION VERY DIFFERENT. I WAS TOLD THAT IT WAS PUT IN DISPUTE AND WOULD BE REMOVED AND ITS STILL ON MY CREDIT REPORT. I CALLED ONE CONSUMER THEY TOLD ME TO CALL THE COLLECTION AGENCY AND THE COLLECTION AGENCY TOLD ME TO CALL THEM BACK THAT THE CONSUMER WOULD HAVE TO CLOSE THE ACCOUNT ( PASSING THE BUCK AROUND ), THE OTHER TOLD ME WITH THEY HAVE YOUR DOB THEN APPARENTLY ITS YOU, AND VERY RUDE. AND TOLD ME THAT THEY WILL GET THEIR MONEY FROM WHOMEVER AND SOMEWAY, ON ACCOUNT THAT IS CHARGED OFF AND CLOSED, COLLECTING ON CHARGE OFF ACCOUNTS, AND BASING IT ON SIMILIAR INFORMATION NOT ACCURATE INFORMATION. AND ASKING ME FOR COPIES OF CONTRACTS, IF ITS NOT ME I CANT GIVE YOU SOMETHING I DONT HAVE AND I HAVE ASK FOR COPIES OF THE SIGNATURE, AND I HAVE BEEN IGNORED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Theres XXXX major issues XXXX having to deal with. First there was a data breach and my info was leaked out by Equifax and I was never informed about it until recently so I never knew about the lawsuit. They were having and received XXXX compensation because they never sent me any info about it and the people who stole my identity mustve got that Equifax data breach and made a bunch of cards in my name and stole money out of my account ( {$XXXX} ) I had an with XXXX  XXXX XXXX. Issue number XXXX I have sent the police report to XXXX  XXXX XXXX stating what it happened back in XXXX  and they continually refuse to refund me the {$XXXX} got stolen out of my account. There was no contact from Bank XXXX XXXX the hole time showing and fraudulent activity warnings. after showing them the police report and a list of all the transactions that were made, and the card usage and everything And they still try to fight me to this day on me getting my money back. ( {$XXXX} ). After an employee of XXXX  XXXX XXXX said ( we dont monitor accounts all that much ). Thats why I got no fraudulent alerts. XXXX to the negligents of XXXX  XXXX XXXX I had lost my house cant afford lost my car. Along with which other stuff Cause I couldnt afford to make payments. I had lost custody and can not see my daughter because I was homeless. My kids suffered a lot as well as myself. To this day Im still getting rejected on getting my money back. The people who had done this to me get caught and now are most likely already out of jail. Its been so long. Im still suffering from the loss of not having my money back, the negative impact I had done to my credit due to delinquent or nonpayment and the negative impact on my credit. And there are FDIC protected I thought??? I cant get a loan for anything to help out my misfortune due to the XXXX companies, negligent and lack of an responsibilities and lack of-proper actions taken I feel I am due for high compensation from both companies and that will not even give me the missed time and support. My daughter has been needing from her father.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personal identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( Equifax, XXXX XXXX XXXX XXXX XXXX  ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 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 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 2025-03-14 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 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 non-monetary relief
Consumer complaint received 2025-03-14 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: Shellpoint Partners, LLC
State: RI

Complaint narrative:
My mortgage was recently transferred to Shellpoint Mortgage Servicing in XXXX. My previous servicer had my account on auto-draft. I didnt know my account was transferred to their bank because their bank was sending the statement to XXXX XXXX , XXXX  and I live in XXXX XXXX  ( Im enclosing a copy of that bill. ) After receiving a call from their bank in XXXX, I made XXXX lump sum payment, updated the correct mailing address, and asked to be put back on auto draft. 

I understand the importance of maintaining accurate records and appreciate your attention to this matter. I kindly request that you investigate this discrepancy and correct my account records accordingly. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I look forward to resolving this issue promptly. --

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Im not sure why they are even calling. My debt was with XXXX and I had communicated with them. I gave no permission for my debt to be sold to any other company.

They broke their side of the contract. I did not give express permission for my debt to be sold therefore this debt must be cancelled

Company response to consumer: Closed with non-monetary relief