vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-26 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 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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/year>, I was granted a Total and Permanent XXXX ( XXXX ) discharge for all my student loans. Despite the discharge being effective on that date, Mohela continues to list XXXX smaller loans as active. When I contacted them, they suggested placing these loans into deferment and asked me to continue making payments, which I refused because my discharge letter clearly states these loans are fully XXXX. I have spent hours on the phone trying to resolve this, but they remain incorrectly listed as active. 

I have attached the official XXXX  discharge letter, dated XX/XX/year>, which shows that the first XXXX loans under XXXX XXXX XXXXXXXX were approved for discharge and should therefore reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: ND

Complaint narrative:
These accounts reporting on my report does not belong to me XXXX XXXX XXXX of {$1500.00} and XXXX XXXX account number XXXX an amount of {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: ND

Complaint narrative:
These accounts reporting on my report does not belong to me XXXX XXXX XXXX of {$1500.00} and XXXX XXXX account number XXXX an amount of {$2200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within XXXX  days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within XXXX  days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
Hyundai Motor Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Breach of Peace and Demand for Cease and Desist Hyundai Motor Finance XXXX XXXX am writing to formally address an urgent matter concerning the recent actions taken by the repossession company you engaged to retrieve my vehicle. On XXXX  XX/XX/XXXX at XXXX, the repossession of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Repossession agent unlawfully breached my property by breaking through my fence without my consent. This action constitutes a clear violation of the principle of " breach of peace '' as outlined in applicable state laws. 
Under, repossession must occur without, XXXX XXXX, which is part of XXXX  XXXX of the XXXX  Revised Statutes, titled " Crimes Against the Public Peace '' : breach of peace, which includes maintaining the security of property and not entering private premises without consent. The actions taken by the repossession agents not only caused damage to my property but also created an intimidating environment for me. 
Given this breach, I hereby demand that you : XXXX. Immediately cease any further attempts to repossess my vehicle until this matter is resolved. 
XXXX. Provide written confirmation that the repossession has been halted. 
XXXX. Address the damages caused to my property as a result of this incident. 
I expect a response to this letter within XXXX  days. Failure to comply may result in legal action to protect my rights and seek appropriate remedies. 
Thank you for your prompt attention to this matter.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the temporary removal of the security freeze on my credit report to facilitate the verification process required for my loan application. The lender needs access to my credit file to assess my eligibility, and I authorize this temporary lift for that purpose. Please provide instructions on how to proceed and confirm once the freeze has been successfully lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX Number : XXXX **Amount : $ XXXX **Date of Account XXXX XXXXXXXX

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 2025-03-26 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-26 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding potential violations of my rights under the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the improper handling of student loan data by the XXXX XXXX XXXX ( XXXX  ) and its potential transfer to the XXXX XXXX XXXX ( XXXX ) in XXXX. 
As a borrower of federal student loans, I entered into a contractual agreement with the XXXX XXXX XXXX. My promissory note explicitly states that my obligations are to the XXXX, and I did not consent to any transfer of my loan management to the XXXX or any other entity. The reported move of student loan oversight from the XXXX  to the XXXX under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower. 
Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of XXXX, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information. 
Given the gravity of these concerns, I respectfully request that your office : XXXX. Investigate whether the proposed transfer of student loans from the XXXX  to the XXXX in XXXX  constitutes a breach of contract and a violation of borrower rights. 
XXXX. Examine whether this transfer or any related actions violate XXXX by exposing students ' personal and financial data to unauthorized entities. 
XXXX. Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws. 
XXXX. Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition. 
I urge your office to take swift action to prevent potential harm to millions of student loan borrowers who may be impacted by this unprecedented shift in student loan administration. Please provide guidance on what legal protections are available to borrowers in my situation and any steps I can take to safeguard my rights. 
Thank you for your time and attention to this urgent matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/year>, Wise permanently closed my personal account without providing a clear or specific reason. I was told only that the closure was due to exceeding the company 's risk tolerance. 

I am a legal XXXX resident with a valid SSN and own a XXXX company ( XXXX XXXX ). I opened my Wise account using my XXXX identity and used it only to transfer legally earned personal funds from my XXXX XXXX  account to my XXXX bank account, as I moved to the XXXX over a XXXX  ago. 

Wise asked me to submit supporting documentation for source of funds and identity, which I provided. However, shortly after that, they notified me that my account would remain closed. Despite repeated requests, I was not given any details regarding what rules or policies I allegedly violated. 

This lack of transparency and accountability has disrupted both my personal and business financial activities. I respectfully request a further investigation and regulatory review into Wise 's practice of closing accounts without valid explanation. 

I am also concerned about the possibility of discriminatory treatment, as I am originally from XXXX but operating entirely within the XXXX legal and financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C

Complaint narrative:
Last year, I filed a cfpb case # XXXX, a New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX  case, XXXX XXXX complaint case XXXX and New York XXXX  Complaint XXXX XXXX against Kirschenbaum & Kirschenbaum , P.C XXXX Attorsney at Law. These cases were closed for the reason of mis-identity to wrong person owed money and the Kirschenbaum & Kirschenbaum , P.C. Attorsney at Law had admitted. 
XXXX days ago, I reviewed my XXXX XXXX Bank both Saving, Checking accounts and found out there is 'Legal Hold '/ account froze initiated by the New York XXXX XXXX XXXX XXXX XXXX XXXX. After traced further, I found out it was filed by Kirschenbaum & Kirschenbaum, P.C. Attorsney at Law. This office was mistakenly identified me as a person owed money to a debetor more than a year ago. And they did not due-diligence again and double-checked the correct person who truely owed money. In stead, they took the person name XXXX XXXX XXXX XXXX and assumed it was me ( my legal name XXXX XXXX XXXX XXXX XXXX I had pointed out their identity mistaken in the past and received a formal letter ( Huang_CFPB Response.pdf ) from the attorney office which dated XXXX, XXXX XXXX by their attorney - XXXX XXXX XXXX, XXXX. stated clearly it was truly mistaken identify case that did not involved me at all. As of XXXX, XXXX XXXX, XXXX XXXX Bank informed me there are a legal hold on my saving and checking accounts which posted by New York City XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Fax : ( XXXX ) XXXX I immediately contact XXXX XXXX and found out a Civil Case # XXXX was initiated by Kirschenbaum & Kirschenbaum, P.C. Attorney at Law at XXXX, XXXX. This two-hands tactics try to unlawfully gain money from innocent people is definitely illegal and violate federal laws. I strongly believe they just don't want to admit they have made mistake on wrong identification to avoid violation of the FDCPA. There must have some way to curb their bad business practice. Please help me to solve this ridiculous case and stop this company from intentionally using deceptive means to attempt to collect a debt. Currently, my bank money was frozen and I don't have money to buy food and other necessities. I need to give this mistaken identity issue permanently resoved as soon as possible and unforze my bank accounts. At the first time, the Kirschenbaum & Kirschenbaum, P.C. Attorney at Law they made a mistake could be innocent, the second time they go even further filed civil case and froze innocent people money are definitely robbery and bad fellow. The Consumer Financial Protection Bureau should look deeply of their unlawful business practices. 




Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
TODAY XX/XX/year> While speaking with the claims department the representative logged into my online banking and started to assist me with my account discovering the bank errors LACK OF PROPER VERIFICATION ADRESS ENTERED INCORRECT. 
these errors were updated but confirmed impact on dispute process in which is still open. I am requesting the relating paperwork to be re- sent to now corrected address. 


also made aware that my debit/checking cards has been mailed to incorrect address serval times- REPEATED ADDRESS ERROR AFFECTING MY DISPUTE PROCESS CAUSING XXXX  AND IMPACTING MY DISPUTE OUTCOME. despise SPEAKING WITH MULTIPLE REPRESENTIVES THAT DID NOT CATCH THIS ERRORS IS NOW CONCERNED WITH ACCOUNT EXPLOSURE.

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