vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 balanced {$0.00} XXXX XXXX XXXX XXXX balanced {$10.00} XXXX  XXXX XXXX balanced {$0.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Edge Home Finance, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received notification that my credit was ran by XXXX - XXXX XXXX XXXX XXXX XXXX, CA XXXX. A hard inquiry appeared on my credit report. I did not authorize them to access my credit. 

I had completed preliminary steps to inquire about a mortgage application with Edge Home Finance NMLS ID : XXXX, asking about the steps, interest rates, types of loans offered, but did not authorize them to run my credit and I made that very clear. I explained that I did not want my credit accessed until we were ready to move forward and ready to build. 

Without my consent my credit was in ran. Resulting in a hard inquiry on my credit report. I contacted the company at ( XXXX ) XXXX. They refused to do anything and gave me the run around. I also contacted Edge Home Finance and they were unable to help either. The loan officer XXXX XXXX explained that it was his mistake and he thought we were ready to go to closing. I get mistakes happen, and I dont think XXXX is a bad guy, but mistakes can not happen when people need to keep their credit scores high to qualify for mortgages. A hard inquiry stays on your report for 2 years, and I explained multiple times to XXXX XXXX  that we were not ready to have our report ran which he reassured would not happen until we found a property and were ready to close. 

This needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A relaitve of mine recently went to apply for a car. This individual listed me as the co borrower without my consent. I filed a police report on this matter but have yet to see these excessive inquiries removed from my credit report. i have listed these inquires below 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion )

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 2025-03-15 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, the servicer for ServiceMac LLC attempted to collect a payment despite receiving a formal cease and desist notice. This violates FDCPA ( 15 U.S.C. 1692c ( c ) ), which prohibits further communication after a cease and desist unless responding to legal action.

Failure to Acknowledge Qualified Written Request ( QWR ) I sent a QWR on XX/XX/XXXX, requesting validation of debt. Third party XXXX XXXX and servicer SERVICEMAC LLC failed to acknowledge it within 5 business days, violating RESPA ( 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ).

Continued Collection Efforts Without Debt Validation Despite failing to validate the alleged debt, XXXX XXXX XXXXXXXX continued collection attempts. This violates FDCPA ( 15 U.S.C. 1692g ( b ) ), which requires suspension of collection until validation is provided. 
Direct Contact with Principal Despite Power of Attorney ( POA ) on File On XX/XX/XXXX, XXXXXXXX XXXX  XXXX contacted the principal directly, despite receiving a notarized Power of Attorney ( POA ) on XX/XX/XXXX. This violates the Georgia Uniform Power of Attorney Act ( O.C.G.A. 10-6B-1 et seq. ), which requires recognition of POA authority.

Lack of Proof of Legal Standing to Collect or Foreclose Neither XXXX or SERVICEMAC have provided proof of ownership or legal standing to enforce the alleged debt, violating Georgia foreclosure law ( O.C.G.A. 44-14-162 ( b ) ), which requires a secured creditor to initiate foreclosure. 
Unlawful Foreclosure Attempt Without Proving Legal Standing The alleged mortgage has been securitized, meaning the original obligation was converted into a security, altering the nature of the debt. This constitutes unjust enrichment as Obligors are seeking additional payments despite already profiting from securitization. 
My response to this unfavourable circumstance have been in good faith. Sense the transfer of the loan has happened I have taken the following actions ; XX/XX/XXXX I've filed a MOTION FOR EQUITABLE INJUNCTION TO HALT FORECLOSURE, XXXX and SERVICEMAC can expect to be served at their addresses for subpoena. 
XX/XX/XXXX my XXXX for my estate and security interest for the name I do business with was confirmed and recorded in my estate 's birth place. 
XX/XX/XXXX my AFFIDAVIT OF TITLE AND SECURITY INTEREST, was accepted by XXXX XXXX XXXX XXXX. 
XX/XX/XXXX my XXXX for XXXX XXXX, GA, perfecting my security interest was confirmed delivered and am waiting confirmation of that recording. 
XXXX, XXXX the principal received from XXXX XXXX XXXX XXXX a XXXX a request for information and had not one recorded debtor though the property was bought in XXXX. 
Inspite all of the attempts to resolve the matter, they've simply failed their fiduciary responsibilities.

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 2025-03-15 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: KY

Complaint narrative:
We are refinancing the loan that is held at MOHELA. In XXXX, the new loan servicer sent a payoff check to MOHELA, which would clear the current loan amount. MOHELA never cashed it. After weeks of no response, the servicer canceled that check and overnighted another check to MOHELA. That was maybe XXXX weeks ago. The second check is also still not cashed, and my current loan is still not discharged. 
I tried to call MOHELA today... I sat on hold for XXXX hours and XXXX minutes by the time I finally hung up. They are a hopeless mess. 
Now the new servicer ( XXXX XXXX ) is expecting payments and the new loan is accruing interest, while the old loan ( that should be discharged by now ) is also accruing interest and we're currently still paying it. So we have double the loan burden because MOHELA is so incompetent.

Please help us get MOHELA to respond to this ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: SD

Complaint narrative:
The terms of my loan were broken when an unauthorized XXXX party ( XXXX XXXX and XXXX  ) got access to my personal information without authorization. This is a huge breach of data privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Monetary Relief Due to False Credit Reporting To Whom It May Concern, I am writing to formally demand monetary relief due to your companys inaccurate and unlawful reporting of an account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to follow strict guidelines when reporting and collecting debts. XXXX has failed to comply with these laws in the following ways : XXXX. Failure to Notify Me Before Reporting The FCRA requires debt collectors to notify consumers before placing negative information on their credit reports. I never received any written notice or communication from XXXX before discovering this account on my report. 
XXXX. Falsely Reporting a Debt The debt XXXX reported is not mine, and I dispute its validity. Reporting false or unverifiable information violates the FCRA. 
XXXX. Failure to Provide Debt Validation If XXXX had contacted me, I would have immediately requested debt validation. Because I was never notified, I was denied the opportunity to dispute the alleged debt before it was reported. 

Damages and Relief Sought Due to XXXX actions, I have suffered financial and emotional distress, including but not limited to : A drop in my credit score, negatively affecting my ability to secure loans and credit at favorable interest rates. 
Time and effort spent disputing the false account. 
Emotional distress from dealing with inaccurate credit reporting. 

Under the FCRA and FDCPA, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to actual damages for financial harm and emotional distress. Based on these violations, I am demanding a settlement of {$2000.00} for the harm caused by your unlawful reporting practices. 

Next Steps I request that XXXX remedy this issue within XXXX  days of receiving this letter by : XXXX. Paying the requested settlement of {$2000.00} XXXX. Immediately removing the inaccurate account from my credit report. 

If I do not receive a satisfactory response, I am prepared to take further action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX. 
Pursuing legal action under the FCRA and FDCPA, where I may seek additional damages, including punitive damages for willful noncompliance. 

This letter serves as a formal good-faith attempt to resolve this matter outside of court. Please respond in writing within XXXX  days to confirm your compliance. I can be reached at XXXX or XXXX if you wish to discuss a resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Cease and Desist Demand Regarding Account XXXX DEAR XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt associated with XXXX, if available. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact regarding this matter. 

From this point forward, you are prohibited from contacting me via phone, mail, email, or any other means, except to : 1. Confirm that you will comply with this request, or 2. Notify me of specific legal action you intend to take.

Failure to comply with this request may result in legal action against your agency for violations of the FDCPA. If this debt is not valid, I also reserve the right to dispute its legitimacy under 15 U.S.C. 1692g. 

Please provide written confirmation that you have received this letter and that you will honor my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has not closed and changed my XXXX or XXXX XXXX XXXX Loan as paid. XXXX reopened it accidentally and it was already removed from my XXXX report. Please have them remove it from Transunion now. They have not responded to Transunion in the past week. The loan was already paid and closed through the XXXX program in 2022.

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 2025-03-15 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: CA

Complaint narrative:
This option wasnt available, but the Department of Government XXXXXXXX and XXXX XXXX have illegally accessed and acquired my personal data without having the appropriate security clearances or approvals and now I am concerned I am at risk. This is an illegal breach of data security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Whom It May Concern, I am formally disputing inaccuracies on my credit report regarding the following account : Account Name : XXXX Account Number : XXXX I have identified multiple reporting errors related to this account, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). The following inaccuracies must be addressed : XXXX. Incorrectly Reported Missed Payments My credit report shows that I missed payments in XXXX, XXXX, XXXX, and XX/XX/year>, yet the balance history section of my report confirms that I had scheduled payments during these months. 
Reporting a missed payment when a scheduled payment was recorded is factually inaccurate and violates 15 U.S. CXXXXe XXXXe ( b ) of the FCRA, which requires consumer reporting agencies to ensure maximum possible accuracy in their reports. 
XXXX. Potentially Incorrect Charge-Off Date The charge-off is reported as occurring in XXXX 2024, but my records indicate otherwise. 
If the charge-off date is misreported, it may extend the negative impact on my credit past the legally allowed reporting period. The FCRA requires accurate reporting of charge-off dates under 15 U.S.C. XXXXc ( a ) ( XXXX ), which limits how long negative items can remain on a credit report. 
XXXX. Balance Discrepancies Leading Up to Charge-Off My balance history indicates a steady increase in balance from XX/XX/year> to XX/XX/year>, yet my scheduled payments remain documented. 
If my payments were applied, my balance should reflect a decrease, not an increase. This inconsistency raises concerns about whether payments were reported correctly. 
Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ), data furnishers must ensure that any information they provide to consumer reporting agencies is accurate and complete. 
XXXX. Possible Re-Aging of the Debt I suspect this account may have been re-aged, meaning the delinquency or charge-off date may have been altered to keep it on my credit report for longer than the legally permitted XXXX years under 15 U.S.C. XXXXc ( a ) ( XXXX ). 
If the date of first delinquency has been changed or misreported, this violates FCRA provisions protecting consumers from outdated negative information. 


The document shows they were taking payments after charged off Experian did nothing and this is my XXXX complaint

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 2025-03-15 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: CO

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency XXXX XXXX  ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( XXXX ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan Servicers. XXXX or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit 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 explanation