vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 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 2025-04-14 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 non-monetary relief
Consumer complaint received 2025-04-14 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assist me by blocking and removing the late payments that are currently listed on my credit report. I was never late on any of my payments. These were inaccurate and greatly damage my credit worthiness. I was never late on any of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: MO

Complaint narrative:
I received the PSLF forgiveness notification letter on XXXX stating Your loan servicer will send you a communication about PSLF/TEPSLF forgiveness within 30 business days. You don't need to take any action as you await this update from your loan servicer. To monitor the status of your loan forgiveness, you can log into your account with your servicer. Congratulations on reaching 120 qualifying payments for XXXX XXXX XXXX XXXX. In fact I was told by a Department of Education representative in the Fall of XXXX that MOHELA has all of the information and no actions are required from me, I will be receiving a refund of the 27 extra payments I made, and a nice congratulations.

I never received communications from MOHELA and I was under the understanding that 147 of the 120 qualifying payments have been satisfied and no other action is needed to be taken. After filing my taxes I received a free credit report stating my score took a 183-point hit all due to MOHELA turning me in for delinquency of payments. I received no correspondence about any actions needing to be taken except for an email from XX/XX/XXXX with the next steps needing to be taken. 

After speaking to a MOHELA representative ( after being on hold for a long time and then waiting for 3 hours for a callback ) I was told it was my fault that I did not update my banking information in the system, then the same banking information I have used since XXXX and is also still correct in the MOHELA system which DID NOT NEED TO BE UPDATED. 

Because of this administrative error, MOHELA turned in my delinquency to credit collections for repayment ( which I never received notification of until I saw my credit report ).

I would like a review of this situation and for my credit score to be restored to its original. I have included documents showing the letter of my congratulations for student loan forgiveness, my MOHELA payment information confirming the banking information is still valid and has never been changed since XXXX, proof that I received no correspondence from MOHELA after the XXXX email notification of transition, and my PSLF payment counts. 

If I was actually made aware of this situation I would have happily handled it back in XXXX of XXXX, but it is now XX/XX/XXXX, and am literally just now learning of it. 

Please let me know if there is anything else you need to review this case. I have heard of several others who are experiencing the same through MOHELA, there is a large communication barrier between the federal level, state level, and the burrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Loyal member for 40+ years. Bank screwed up by double booking a $ XXXX transfer, leaving me overdrawn. Called up saying : " You stole my money! '' They said : " We will review over the next 10 days ... '' We requested a withdrawal from XXXX XXXX for {$29000.00} ( into a retirement account ). USAA recorded TWO withdrawals for the same amount, even though XXXX XXXX only received ONE deposit. This left us overdrawn, with additional taxes being due tomorrow, with no funds available, since $ XXXX disappeared. We called USAA " customer service '' XXXX, asking for help. We were informed that they would review the " disputed transaction '' over the next 10 days (! ) We said that the bank " stole our money '' and couldn't we get some help? The answer was : " Our policies state that we will review this over the next 7-10 days.

Transfers were on 4-10. We learned about the mistake on 4-12. Had two customer service calls on 4-12 and an additional one today on 4-14. No help whatsoever.

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 2025-04-14 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: WI

Complaint narrative:
Subject : Formal Dispute of Unvalidated Debt Reporting Request for Investigation and Deletion To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I believe is inaccurate and not properly validated. The account in question is being reported by XXXX XXXX XXXX or on behalf of their client. 
Disputed Account Information : XXXX XXXX XXXX XXXX & XXXX Account Number : XXXX Amount : {$120.00} This account is being reported without proper verification or documentation from the debt collector. I have submitted a debt validation request directly to XXXX XXXX XXXX, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as of the date of this letter, they have failed to produce adequate evidence of the debt, including the assignment contract or original agreement. 
Furthermore, under the ruling in XXXX XXXX XXXX XXXX XXXX, XXXX, the court determined that debt collectors must provide substantive documentation, not merely billing summaries or balances, in order to validate a debt. Until such time as this debt is validated, it should not be reported to consumer credit reporting agencies, nor should it be verified as accurate.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a full investigation of this account. If the furnisher of this information can not provide adequate validation, including the chain of assignment and original signed agreement, I am requesting this item be immediately removed from my credit file.

Please provide written confirmation of the results of your investigation and any changes made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I am in the save repayment plan, as of last XXXX I was put into administrative forbearance by my lender mohela because of the court injunction. I was notified by mohela the while in administrative forbearance my loans will not accrual interest. So when I went check i notice that my loan went up almost {$3000.00} from when I last checked. When trying to contact my lender I am put on hold and I am never able to get a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-04-14 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: TX

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 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: TX

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am formally disputing a collection account listed under LVNV Funding LLC for an alleged debt originally from XXXX XXXX XXXX, NA ( Account ending in XXXX, assigned on XX/XX/year>, for {$1600.00} ). 

I do not recognize this account and have requested validation, but LVNV Funding LLC has failed to provide sufficient documentation proving that this debt is valid and that I am legally responsible for it. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a collection agency must provide proper validation upon request and can not report unverified debts. 

Therefore, I request that this item be immediately removed from my credit report as it is unverified and being reported in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Please help me, I have attached supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Please help me, I have attached supporting documents

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 2025-04-14 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: SC

Complaint narrative:
I am submitting this complaint because Equifax ( and other bureaus ) are inaccurately reporting details related to a closed and paid account with XXXX. I have disputed this information multiple times, but the errors have not been corrected. The following specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) are present : Inaccurate " last reported '' date : TransUnion and Experian correctly show the last report date as XX/XX/XXXX. However, Equifax falsely reports it as XX/XX/XXXX over three years after the account was closed and paid in full, which misleads lenders and artificially extends the accounts activity.

Inconsistent loan classification : TransUnion lists the loan as unsecured, while Experian and Equifax list it as secured, violating FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reporting.

Stale data misrepresenting current activity : The false reporting of this account as recently active creates a misleading and damaging impression on my credit file, impacting my creditworthiness and violating FCRA 605 ( a ) and 623 ( a ) ( 2 ).

I submitted a formal dispute to the credit bureaus demanding that this account be : Reported with a uniform " Date Last Reported '' of XX/XX/XXXX across all bureaus Classified accurately across all bureaus as either secured or unsecured Clearly marked as Paid in Full Closed and removed from any active status consideration Despite my written dispute and demand, the errors have not been corrected, which now constitutes a willful violation of the FCRA. I am requesting CFPBs help to enforce my rights and hold these agencies accountable.

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 2025-04-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
XX/XX/year> Social security deposited was made of the amount of XXXX direct express hasnt released the funds since the day it was deposited. 
I disputed this 2 times appealed 2 times and then started an investigation for fraud and denied The bank is called direct express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : Formal Dispute of Unvalidated Debt Reporting Request for Investigation and Deletion To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I believe is inaccurate and not properly validated. The account in question is being reported by XXXX XXXX XXXX or on behalf of their client. 
Disputed Account Information : XXXX XXXX XXXX XXXX & XXXX Account Number : XXXX Amount : {$120.00} This account is being reported without proper verification or documentation from the debt collector. I have submitted a debt validation request directly to XXXX XXXX XXXX, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as of the date of this letter, they have failed to produce adequate evidence of the debt, including the assignment contract or original agreement. 
Furthermore, under the ruling in XXXX XXXX XXXX XXXX XXXX, XXXX, the court determined that debt collectors must provide substantive documentation, not merely billing summaries or balances, in order to validate a debt. Until such time as this debt is validated, it should not be reported to consumer credit reporting agencies, nor should it be verified as accurate.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a full investigation of this account. If the furnisher of this information can not provide adequate validation, including the chain of assignment and original signed agreement, I am requesting this item be immediately removed from my credit file.

Please provide written confirmation of the results of your investigation and any changes made to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation