vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For any account that is alleged to be derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for the Bankruptcy that you are reporting. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the Bankruptcy from the report. I am looking forward to receiving your proof of action and my updated credit report. 
This information is not accurate. This is financial slander.

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 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: NC

Complaint narrative:
loan care took over my loan and when i called XXXX and talked to a repersenitve they told me to make my payment in XXXX days. so i did and make a payment on XXXX XXXX and it showed on my balance. than on XXXX they auto drafted another payment. and from that day on i can not get it back, they want my bank statements with balance 's and everything before they can process a refund and mail me a check in XXXX days. but there web site has no secure way to do that until i complained about it. it has been more than XXXX business days now so they know the payment has cleared my bank but still need bank statements in pdf form. i think this is just not right and very unprofessional to say the least for me to have to submit to god knows who this information. they can see and know it has cleared there is no understanding by these people or bank. this is how people get hacked is passing out information that dont need to be, they have enough information to take they should be able to put it back.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I have received numerous phone calls from Credit Control LLC as well as 4 different collection agencys attempting to collect the same debts. With regard to Credit control LLC they are attempting to collect the following amounts : {$430.00} From XXXX XXXX. I do not Recall ever having an account with XXXX XXXX  I ask that they provide documents showing that I signed for this. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$330.00} from XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from 4 other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$1700.00} from XXXX XXXX XXXX I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from 4 other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$2400.00} From XXXX XXXX XXXX {$330.00} from XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$1400.00} From XXXX XXXX. I do not Recall ever having an account with Web bank I ask that they provide documents showing that I signed. Since I am receiving notices from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$2800.00} From XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX  I ask that they provide documents showing that I signed. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine I need to know who to pay if it turns out these debts are mine.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a man, XXXX XXXX XXXX, who supposedly works for a company called XXXX. He stated the company was contracted by the department of Education to process student loan forgiveness. He claimed that {$8400.00} of my debt would be cleared if I prayed about jumpsuit of {$1400.00} and begun a 300 month repayment plan at {$5.00} a month on the remainder of the consolidated debt amount. They had access to all of my student loan information, my address, name, SSN, and even access to the back end of the FSA website as they added me to reset my password ( information I can provide if prompted ). I approved the transaction and they pulled it from my account 2 days later on the XXXX. They also wanted me to send in my two most recent paystubs as well as some paperwork from them to Nelnet about them taking over my debt collection. I waited a month ( past the artificial deadline of XX/XX/XXXX they set ) to actually do that. Upon reviewing the paperwork, I noticed they included the names of people i didn't know as references. I had already called the number they left me to confirm that I was sending the paystubs to the proper email. Not even an hour later I was contacted by another member of their scam team to " sign up '' again. At this point that plus the second call alarmed me, so I contacted the department that handles debt forgiveness and XXXX  at XXXX, to see if they could clarify if I was speaking to a legit contractor or not. The woman on the phone helped me by confirming I was not in her system and that it was likely fraud. She sent me some information about how to report the matter a d what steps to take next. I called the police non-emergency number and filed a fraud report, as well as frozen my personal finance accounts. Now I'm making my way through the Department of Education, FTC, FCC, my banks, and all XXXX credit bureaus to mitigate any further damage on my identity since they have my sensitive information. Additionally, my credit card exposed a leak in my student account information from college back in XXXX, which included all such sensitive information, making me a target. I can provide emails, names, and phone numbers used for the scam. I also uploaded the scam documents to Nelnet the day before ( XX/XX/XXXX I believe ) telling them to pass my debt info onto this company. This was before I realized I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

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 2025-03-18 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-18 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-18 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wish to formally dispute any unverified or inaccurately documented information in my credit report, aligning my actions with the FCRA and the established XXXX XXXX data field reporting standard. The allegation of delinquency and derogatory information can not be accepted without concrete evidence, thus prompting my challenge of their reportability, as per federal and state legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request to Update Address Information and Remove Unauthorized Addresses Dear TransUnion Representative, I am writing to formally request an update to my credit profile to reflect the correct address history and to remove any unauthorized or inaccurate addresses that may appear on my credit file. Below is the accurate sequence of my addresses, listed from most recent : XXXXXXXX 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 Any other address that appears on my credit report is inaccurate and could be the result of fraud. I request that all addresses not listed above be immediately removed from my credit file to prevent any potential misuse of my personal information. 

Enclosed are copies of identification and supporting documents verifying my residency at these addresses. Please update my file accordingly and provide written confirmation once the corrections have been made. 

If you require any additional information, I can be reached at ( XXXX ) XXXX. Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-03-18 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: CA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized charges made to my Golden Sachs Apple Card, stemming from a purchase I made at the XXXX XXXX XXXX in XXXX in XX/XX/year>. I have experienced repeated difficulties in resolving these issues and am seeking immediate assistance in rectifying these unauthorized charges. 

On the day of my purchase in XX/XX/year>, I bought a MacBook Air at the XXXX XXXX  in XXXX, CA, which was charged to my Golden Sachs Apple Card. The laptop was unavailable in the store, so it was ordered online. However, there were significant issues that arose during the transaction : Incorrect Product Given : Upon purchasing the MacBook Air, the sales associate gave me the wrong laptop, which I immediately returned to the store within XXXX minutes of the purchase. 
Unauthorized Gift Card Use : During this process, the associate used a {$150.00} gift card for XXXX that I did not authorize. 
Unauthorized Charges : Despite returning the incorrect product, I was charged {$320.00} and {$150.00} in unauthorized fees. Additionally, I was charged extra taxes on the returned computer. 
Ongoing Issues and Dispute : I called the XXXX XXXX after receiving my XX/XX/year> statement to dispute these charges, but no one was able to provide a clear explanation. Despite my continued efforts for XXXX months including XXXX hours of conversations in total with specialists, managers and being transfered to different departments to resolve the situation, including a dispute with the card provider, I received a resolution that incorrectly stated that I had authorized the {$320.00} charge. However, there is no receipt or evidence to support this claim. 

I am also being unfairly charged interest on these unauthorized charges, despite my understanding that the payment plan was supposed to have a XXXX XXXX interest rate. The charges for the unauthorized {$320.00} and {$150.00}, as well as the use of the unapproved {$150.00} gift card, are fraudulent, and I request immediate removal of these charges from my balance. 

I would appreciate the prompt investigation of this matter and the removal of these unauthorized charges. I am seeking a resolution that will : Immediate removal of the {$320.00} and {$150.00} unauthorized charges from my balance. 
Cancellation of any interest charges incurred as a result of these unauthorized transactions. 
A full refund of any amounts I have been overcharged or incorrectly billed due to these errors. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Email sent to XXXX : I did not understand the communication I received from XXXX and XXXX regarding transferring my loan from XXXX to XXXX. When I would try to log into XXXX, the internet would send me to the XXXX website. To me, nothing appeared to be different. 

XXXX payments I made to my student loan on XX/XX/XXXX and XX/XX/year>, each for {$1300.00}, did not get credited to my account because my e-payment account with XXXX has been set up for payments to go to XXXX. I made another payment on XX/XX/XXXX for {$1400.00}, which also went to XXXX and was perhaps never credited. But I wouldn't know because XXXX has not sent any communication regarding this matter. 

I spoke with someone at XXXX in late XXXX when I received a letter stating that I was late on my account. That person assured me that XXXX would send the erroneous payments to XXXX and that collections activity would be stopped. 

I received a statement from XXXX dated XX/XX/year>, that did not reflect the XX/XX/XXXX payment, so I called and spoke to " XXXX, '' who reassured me the same thing as the first customer service agent. 

Today, I received a letter dated XX/XX/XXXX ( today is the XXXX ) that indicated that I am at risk of being reported for delinquency. 

I called and spoke to " XXXX. '' XXXX was polite, but he couldn't help beyond repeating what the first and second agents told me. I asked to speak to a supervisor. 

That's when I got transferred instead to the phone survey, and why I am writing to you. 

Please help. I am unhappy that {$2600.00} of my money is still being held by XXXX when it does not belong to them and that XXXX is unfairly threatening to report a delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ND

Complaint narrative:
In XXXX My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation