vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MOHELA
State: SC

Complaint narrative:
I am a victim of identity theft. I disputed an account on my credit report ( XXXX XXXX After they looked into the matter they found that the information was correct and denied my dispute. The same day, XX/XX/XXXX, that I submitted my dispute with XXXX, I called the company, MOHELA ( Missouri Higher Education Loan Authority ). Before they would even transfer me to their Fraud Department, they had me verify my personal information. I explained that this was not my account and I obtained information that the physical address, phone number and email address they had on file were INCORRECT. They updated the account even though I made several comments that I never applied for any type of loan and this account was opened fraudulently. After they changed all the information on this account, they THEN proceeded to transfer me to their Fraud Department. I was on hold for over 2 hours and never got to speak to an actual person to report my issue. I am positive by the time XXXX started their investigation the account in question was updated with all MY personal information due to my trying to call MOHELA and report the fraud. I have since then filed a police report, filed an Identity Theft Report with the Federal Trade Commission, and sent MOHELA 3 separate letters, with no response to date. The only contact I now have with MONELA starting on XX/XX/XXXX which consist of payment reminders and notices of overdue balances due to them updating my email information. I will be resubmitting another dispute. This account is not mine. I have no need for an educational loan. I have had my XXXX XXXX XXXX XXXX since XXXX and I have worked for a XXXX since XXXX - If I need to take educational courses, I can do so for free through my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I've disputed an error on my Chexsystems report multiple times as identity theft but Chexsystems refuses to remove or block the information from my report

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 2025-05-06 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: TX

Complaint narrative:
I put on a complaint about inquiries on my report that are not mine!!! These companies have no signature, phone call, or anything that will show I communicated with them on any way. Transunion stated they fixed the correction and sent me the XXXX page letter explaining how they investigated and removed the inquiries. I called to follow up because I noticed it wasnt deleted and they acted as if they knew nothing of the letter. I read them the file number and sent it back to them and they are telling me that they will not remove the inquiries and that they dont conduct investigations. I have included the XXXX page letter from Transunion that includes the results of the investigation which was to delete the inquiries

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 2025-05-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX  - XX/XX/XXXX - {$680.00} XXXX - XX/XX/XXXX - {$25.00} XXXX  - XX/XX/XXXX - {$1200.00} XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX  XXXX XX/XX/XXXX - {$3500.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX  - XX/XX/XXXX - {$680.00} XXXX - XX/XX/XXXX - {$25.00} XXXX  - XX/XX/XXXX - {$1200.00} XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX  XXXX XX/XX/XXXX - {$3500.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2025-05-06 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, 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 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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XXXX - I wrote numerous letters to inform them to come and retrieve the item since I am not benefiting from the solar panels, and they need to send someone out to check or add more panels. They keep sending past due letters, and I told the company that I am not making any more payments until they send someone out to check it. 

2. XXXX- that the account is not mine 3.Name COLUMBIA DEBT RECOVERY Address XXXX  WA XXXX Phone number XXXX XXXX XXXX XXXX  They sent a verified letter that had a signature that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
In XX/XX/2025, TransUnion reported my XXXX XXXX account ( ending in XXXX ) as open, with no charge-off or balance, and no derogatory marks. In XX/XX/2025, the exact same account was suddenly changed to charged off as bad debt with a balance of {$8200.00}, and reported as a profit-and-loss write-off despite no new payment activity, no notification, and no documentation. This caused my score to drop XXXX points instantly. 

I disputed this with TransUnion, and they failed to fix the error. They also did not provide a method of verification or proper investigation. This is a direct violation of FCRA 1681e ( b ), 1681i, and 1681c ( a ) ( 4 ). The screenshots I submitted show two conflicting versions of the same account just months apart. Im demanding deletion of this inaccurate and damaging charge-off.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-06 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 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 2025-05-06 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, XXXX XXXX XXXX ( 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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: 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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax on multiple occasions to request access to my log in to get my credit report and score, I still have not been able to access anything regarding my report and or score that has been shared with merchants. 

When I contacted Equifax in XXXX  they informed me that someone else 's credit file was merged with mine, and stated that it would resolved within 24 hours as I submitted my drivers license and SSN card and that I would receive a call back once completed and would be able to log in and view my score. - I did not receive any call, when I called back the next day they stated that needed reverify me, they stated that I could not update my address to receive my credit report because I needed to be verified and that I needed to mail in my drivers license and SSN card, I don't feel safe sending any of that information in the mail, when it was just given the day before and it was not updated correctly. 

I have attempted to pull my credit report from my annual credit report.com however I am unable to do so because Equifax has not generated any information. I am also not able to see any information on my XXXX XXXX regarding Equifax nothing has been updated since XXXX for me the consumer to review what is being shared to the merchants, as fraudulent items are on their report as well as items that have been on their for more than 7 years. 

Equifax is withholding my own credit score from me and I have not been able to pull my free credit report since XXXX. I am not aware of any items that are being reported to the bureau, I have been requesting my credit score and or online access since XXXX of XXXX and still have not been able to get my credit report and or score for the past 5 months. 

This is affecting my daily life, as fraud has taken place, I have filed a police report and have been able to remove the items from my other report from XXXX  and XXXX. 
And they stated on a recorded call that they had my credit file merged with another person, and have been reporting someone else 's credit to my personal file hindering my credit growth and putting me in a financial hardship by not being able to get my report from any site due to their neglect and misuse of my personal information. 

I will be contact my lawyer as I have not had access to my own credit score for 5 years from Equifax. 

I am praying something can be done so I can move forward from this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2025, I contacted Capital One regarding a disputed transaction I had filed. I asked about receiving a temporary credit while the claim was being reviewed, which is a standard banking practice. Multiple agents, including a supervisor named XXXX, informed me that I would not receive one. 

I respectfully asked for documentation of this decisionvia email, app, or account statementand was told they could not provide it. The supervisor was extremely unprofessional, repeatedly talked over me, and refused to provide any form of written explanation. I ended the call after it became clear that I was being dismissed rather than assisted. 

It is unacceptable that I was denied written documentation and treated disrespectfully while trying to resolve a legitimate concern. I am requesting : 1. A formal explanation from Capital One in writing regarding their denial of a temporary credit, and 2. That Capital One be held accountable for the unprofessional behavior of their supervisor. 

Ive done everything properly on my end and expect transparency and fair treatment in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
Portfolio Recovery privacy calling at all hours 7 days a week 4 to 5 times a day this has been going on for a while I have even changed my phone number! If there is a class action I would like to be compensated for continuous aggravation and mental stress. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$7300.00} XXXX XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXXXXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$820.00} XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$710.00} XXXXXXXX XXXX - XX/XX/XXXX XXXX {$5600.00} XXXX XXXX - XX/XX/XXXX - {$0.00} 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 explanation