vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
In the Spring of XXXX, I received a general notice that there was an injunction filed by the court that no payments could be accepted under the XXXX XXXX that I was currently enrolled in. At the end of XX/XX/XXXX, I submitted an application to have my payment plan switched to an XXXX plan so that I could resume making payments that would count towards XXXX forgiveness. In XX/XX/XXXX I called MOHELA, my loan servicer, and waited on hold for about XXXX hours to follow up as my application had not been processed yet. I was told this processing would take at least 90 days and to call back after that. After a few more months, my application had still not been processed, so I tried calling. However, every time I tried to call back, the hold time was XXXX hours. Once I actually was disconnected as after waiting XXXX hours, it became XXXX pm. I tried emailing them in XXXX, but was just told that the applications were paused in XX/XX/XXXX. I received a general notice in XX/XX/XXXX that applications were processing again, but that my application would need to be resubmitted as anything submitted before XXXX was discarded. I immediately resubmitted my application but have not heard back. I reached out a few weeks ago about this as well as this week, but have not received a response. I also received correspondence that interest will begin to accrue again in XXXX, even though I am not able to make payments. I have XXXX payments left before I qualify for forgiveness and am concerned that I am now hearing that the program XXXX change.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Complaint to CFPB Privacy Violations & Unauthorized Access to Financial Information To : Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Unauthorized Access to Financial Information and Tenant Safety Violations Dear CFPB, I am submitting this complaint regarding unauthorized access to my personal and financial information, as well as criminal trespass and privacy violations at the property located at XXXX XXXX XXXX, XXXX, MD, where I was a tenant. 

The building XXXX, XXXX XXXX, is a XXXX XXXX XXXX  XXXX XXXX  with a history of XXXX XXXX XXXX XXXX. He was appointed by property owner XXXX XXXX, who resides at XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. 

While I was away, XXXX allowed a XXXX  unauthorized access to my unit, and I have video evidence of her going through my personal belongings. I believe this incident may have involved unauthorized viewing or handling of financial documents, which I had stored securely. 

I reported this to the XXXX XXXX XXXX, but no action was taken, despite the severity of the violation and the presence of video documentation.

I am requesting CFPB review and investigation into : - Potential violations of privacy and financial data protection - Negligent property management practices that enabled unauthorized access - Failure to notify tenants of known risks, including proximity to a registered XXXX XXXX  I am prepared to submit supporting documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Lvn funding They are harassing me through email and phone calls daily they refused to send verification and validation about the debt. I want this removed off my credit report immediately its not my debt. They cant verify it and they cant validate it therefore I want them to seize and assist all communications to me. Going forward and remove this off my credit report as soon as possible.Not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan opened at XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit card opened at XXXX XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX Bank on XXXX under account number XXXX, XXXX  XXXX Bank on XXXX XXXX under account number XXXX, XXXX on XXXX under account number XXXX, personal loan opened XXXX XXXX XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, XXXX on XXXX XXXX under account number XXXX, student loan opened at XXXX  XXXX XXXX on XXXX XXXX under account number XXXX  XXXX XXXX student loan opened at XXXX University on XXXX XXXX under account number XXXX  XXXX, Mortgage loan at XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX under account number XXXX. 

Hard Inquiries with the following consumers : XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX BANK Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX via XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX  XXXX BANK Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan opened at XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit card opened at XXXX XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX Bank on XXXX under account number XXXX, XXXX  XXXX Bank on XXXX XXXX under account number XXXX, XXXX on XXXX under account number XXXX, personal loan opened XXXX XXXX XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, XXXX on XXXX XXXX under account number XXXX, student loan opened at XXXX  XXXX XXXX on XXXX XXXX under account number XXXX  XXXX XXXX student loan opened at XXXX University on XXXX XXXX under account number XXXX  XXXX, Mortgage loan at XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX under account number XXXX. 

Hard Inquiries with the following consumers : XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX BANK Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX via XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX  XXXX BANK Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: AR

Complaint narrative:
I did not authorize these accounts to be opened in my name. Law FCRA 605b - 1681c-2 Please remove these accounts from my name. 

ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never been to college, or applied for/received student loans. 
I should not be in any system for education beyond high school/vocational school. 

You have fraudulently opened XXXX accounts and are charging me, totaling {$3100.00}. 
XXXX for {$1100.00} and XXXX for {$2000.00}. 

I have never applied for, had access to, or otherwise touched, seen, or interacted with, these student loans. 

I have disputed this already with CreditKarma/TransUnion. I will not be making any payments towards loans I did not take out, from a government department I did not use or benefit from.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Executive Complaint Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX CELL XXXX Date XX/XX/XXXX To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Executive Complaint Immediate Removal of Negative Credit Reporting and Recall of Accounts from Collections Dear Executive, I am writing to formally lodge a complaint against the actions taken by Capital One regarding my credit accounts, which resulted in unjust harm to my credit and severe emotional distress during a serious medical hardship. 

In XXXX I contacted Capital One to inform your representatives that I had been diagnosed with * * XXXX XXXX * * and was undergoing * * active XXXX XXXX  * *. I reached out in good faith to request hardship assistance, not account closure. I had no late payments at the time, and my accounts were in good standing with a positive payment history. 

Instead of working with me during this medical crisis, both creditors * * immediately closed my accounts and sold them to XXXX XXXX XXXX for collection * *. This action was taken without my consent, without any delinquency on my part, and without providing me with reasonable options for assistance. As a result, my credit reports now show * * XXXX large collection accounts * * that inaccurately portray me as a delinquent borrower. 

This treatment is unacceptable and has caused : - Significant damage to my credit score. 
- Denial of credit opportunities and higher borrowing costs. 
- Emotional harm and added stress during an already life-threatening illness. 

I believe your actions may constitute violations of : - The * * Fair Credit Reporting Act ( FCRA ) * * for furnishing inaccurate information to credit bureaus. 
- The * * Equal Credit Opportunity Act ( ECOA ) * *, in that I was denied fair treatment after disclosing a medical hardship. 
- State consumer protection laws prohibiting unfair or deceptive business practices. 

* * My Demand : * * I am requesting that both Capital : 1. * * Recall these accounts from XXXX XXXX XXXX * * and cease all collection activity. 
2. * * Direct the credit bureaus to delete all negative reporting * * related to these accounts from my credit reports. 
XXXX. Provide a written confirmation of these actions within * * XXXX business days * *. 

If I do not receive a satisfactory resolution, I will file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals Office * *, as well as seek legal counsel to pursue damages. 

I urge you to address this matter with urgency, compassion, and the fairness that all customers deserve. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. 
Recently, while applying to rent an apartment, I was informed by the leasing office that a court record appears under my name regarding a pending eviction at the address XXXX XXXX XXXX XXXX XXXX. I want to clarify that I have never lived at this address and do not know anyone who resides there. 
Additionally, there are accounts on my credit report that I do not recognize and did not authorize, which further supports that my identity has been compromised. XXXX such account is listed below : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$19000.00} as of XX/XX/XXXX Last Updated : XX/XX/XXXX Last Four of Account : ... XXXX I am requesting a full investigation and removal of any fraudulent accounts or records associated with my identity. Please consider this a formal statement for any investigative or legal purposes related to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I have been unable to submit disputes online directly to TransUnion for XXXX months. The online system does not allow me to submit. I have not obtained credit from XXXX XXXX or XXXX. There is not an account number on file. There is not a telephone number on file for the creditor.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am filing a complaint against this debt collector for failing to properly validate the alleged debt as required by federal law. Under FDCPA 15 USC 1692g ( b ) and Regulation F, I am entitled to receive sufficient documentation proving I owe this debt before they continue any collection efforts... 
I have requested a copy of the original signed agreement, an itemized debt history, and chain of title documentation. To date, these have not been provided... 
Case law such as XXXX XXXX XXXX and XXXX v. XXXX XXXX XXXX clearly establish that mere assertions are inadequate for validation... 
Failure to validate while pursuing collection and credit reporting constitutes violations of FDCPA and potentially the FCRA, especially under XXXX XXXX XXXX XXXX. 
I urge the CFPB to compel the collector to comply or halt collection and remove the account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
An account, " XXXX '' that Equifax is reporting, dropped my score tremendously and they are inaccurately reporting this account causing major problems with my report. This account was not on my credit report & says last reported XX/XX/year> and has a {$100.00} balance. Even the last payment date is wrong. Says XXXX, when it was XX/XX/year>. This account has been actively closed and paid in full for months! This caused a XXXX drop in my score and has to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Today XX/XX/year> upon checking my Equifax credit report, I discovered that there are XXXX things that are wrong with my credit score. The first is that the XXXX account has been reporting on my credit report for 7 years and 4 months. That is beyond the statue of limitation for an account to still report on a consumers credit profile over 7 years. I believe that XXXX is deliberately misleading credit bureaus with this information as it is hurting my credit score and hindering me from obtaining a higher credit score to obtain another car. I have paid my debt to this company for a resolution. The second issue is that Equifax has not updated my report since XX/XX/year> it is now XX/XX/year>. I believe this is a result of Improper Credit Reporting as XXXX  and TransUnion has been updating my positive accounts accurately on both reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding TransUnion and Equifax for their failure to properly investigate and correct inaccurate information on my credit reports, despite multiple disputes submitted both online and by mail. 

Specifically : I disputed hard inquiries that were not authorized and should not remain on my file. 
I disputed a XXXX XXXX XXXX loan that has been paid off and should no longer be reported as active or delinquent. 

Despite providing disputes and supporting documentation, these credit reporting agencies have refused to honor their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires them to conduct a reasonable investigation and remove inaccurate or unverifiable information. 

This refusal has caused ongoing harm to me, including : Lower credit scores, Difficulty obtaining fair credit, Damage to my financial reputation, which I view as a form of credit defamation. 

I have acted in good faith by submitting disputes through multiple channels, and I believe their failure to respond appropriately is unlawful and harmful.

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 2025-08-17 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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