vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of inform
ation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MS

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 explanation
Consumer complaint received 2025-04-22 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: MS

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 non-monetary relief
Consumer complaint received 2025-04-22 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: NY

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  - XX/XX/XXXX - {$0.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$19.00} XXXX - XXXX - XX/XX/XXXX - {$32.00} XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$0.00}

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 2025-04-22 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: MOHELA
State: NY

Complaint narrative:
I received a discharge letter from the U.S. Department of Education in XX/XX/year> confirming that my federal student loans from XXXX XXXX  are eligible for full discharge under Borrower Defense. MOHELA has not processed this discharge. I can not access my online account their system does not recognize my SSN, date of birth, or account number. Phone wait times are over XXXX minutes, and I havent been able to speak with anyone. My loans remain in forbearance, no refund has been issued, and no updates have been made. I am requesting immediate resolution, access to my account, and processing of my legally mandated discharge. 

I want to note that I have never been able to log into my MOHELA account without assistance. For every loan payment or concern over the years, Ive had to call in to speak with a representative. Their system has consistently failed to recognize my SSN, date of birth, or account number. This has prevented me from managing my account independently, even before the current discharge issue. 

With the recent discharge approval from the Department of Education, this has made it impossible to verify updates, refund status, or discharge progress online, and I am stuck in extremely long hold times trying to resolve this. This is an ongoing access issue and should be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-22 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-04-22 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, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-04-22 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/year>, I attempted to pay a supplier using my XXXX XXXXXXXX credit card, a routine transaction I have completed successfully many times. Unexpectedly, my card was locked and restricted. After contacting XXXX XXXX, I was instructed to submit identification and documentation, which I promptly provided. I was assured a resolution within 17 business days.

Four days later, XXXX XXXX informed me that they could not verify my identity or documents. I resubmitted all requested materials, including additional details such as addresses, via their provided email link, and was again told resolution would take 17 business days. On XX/XX/year>, XXXX XXXX requested further documentation. Despite my full compliance with all requests, no resolution was provided. 
On XX/XX/year>, after 21 days of delays and unproductive communication, XXXX XXXX informed me that my account is permanently restricted. This prolonged ordeal, characterized by unclear communication and unreasonable demands, has caused significant financial disruption. 
I respectfully request the CFPBs assistance in investigating XXXX XXXX handling of this matter and securing a fair resolution. I lost XXXX points on my credit score because of this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/year>, I attempted to pay a supplier using my Capital One credit card, a routine transaction I have completed successfully many times. Unexpectedly, my card was locked and restricted. After contacting Capital One, I was instructed to submit identification and documentation, which I promptly provided. I was assured a resolution within 17 business days. 
Four days later, Capital One informed me that they could not verify my identity or documents. I resubmitted all requested materials, including additional details such as addresses, via their provided email link, and was again told resolution would take 17 business days. On XX/XX/year>, Capital One requested further documentation. Despite my full compliance with all requests, no resolution was provided. 
On XX/XX/year>, after 21 days of delays and unproductive communication, Capital One informed me that my account is permanently restricted. This prolonged ordeal, characterized by unclear communication and unreasonable demands, has caused significant financial disruption. 
I respectfully request the CFPBs assistance in investigating Capital Ones handling of this matter and securing a fair resolution. I lost XXXX points on my credit score because of this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a certified cease and desist and debt validation letter to Atlantic Recovery Solutions (ARS), requesting that they stop contacting me and provide full written validation of the alleged debt. According to USPS tracking #XXXX XXXX XXXX XXXX XXXX XXXX, the letter was delivered to ARS on XXXX XXXX XXXX.\n\nDespite this, on XXXX XXXX XXXX I received a text message from ARS instructing me to contact them regarding a personal business matter and referencing their internal file number. This is a direct violation of the Fair Debt Collection Practices Act (FDCPA) 1692c(c), which prohibits further communication after a written cease and desist request is received.\n\nARS has not provided any debt validation, nor acknowledged my written request. Their continued contact constitutes harassment and noncompliance with federal law. I am requesting immediate intervention and enforcement action to stop further violations.'

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CT

Complaint narrative:
Subject : Cease and Desist Letter Request to Stop Communication Dear To Whom It May Concern This letter is to formally request that you cease all communication with me regarding any alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I have the right to request that you stop contacting me.

Please consider this letter as a written notification to immediately stop all phone calls, letters, emails, or any other forms of contact. If you believe I do owe this debt and plan to take legal action, you are legally permitted to inform me of that. Otherwise, I request no further communication.

Be advised that if you continue to contact me after receiving this letter, I will consider it a violation of the FDCPA and may take appropriate legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This XXXX sound trivial but I truly need help with Equifax. Several weeks ago, I lost all the passwords on my laptop. Unfortunately, I can't recover the password to log into Equifax. For nearly XXXX weeks, I've attempted to perform a password recovery using the Equifax automated system. Also, I've attempted to call several times. I am unable to speak to a live person to get help. 

Currently, my credit is frozen with equifax. I need to reset my password so that I can access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
so originally I have wrote Experian two letters sent out certified mail describing the problems. Im having with inaccuracies and inconsistencies of the accounts that I named in a complaint the first letter was sent out XXXX XXXX XXXX and the second one was XXXXXXXX XXXX XXXX in regards to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not address these problems or fix the inaccuracies and inconsistencies on these accounts within a timely manner accounting the FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
so originally I have wrote Experian two letters sent out certified mail describing the problems. Im having with inaccuracies and inconsistencies of the accounts that I named in a complaint the first letter was sent out XXXX XXXX XXXX and the second one was XXXXXXXX XXXX XXXX in regards to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not address these problems or fix the inaccuracies and inconsistencies on these accounts within a timely manner accounting the FCRA provisions.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a call from a scammer who said that they represented Barclays Credit card fraud team and wanted personal info from me about the account. I could tell they were a fraud and asked them for a return number. I called the Barclays customer service # on the back of the card and spoke to a rep who said thay had not called me. I locked the card and called the scammer back and was then cussed out with profanities and insults about my mother and sister. 
The # the scammer gave me was XXXX and identified himself as XXXX XXXX. The scammer initially said they were located in XXXX XXXX, Ca and then 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 2025-04-22 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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