vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Ive settled with Midland credit management regarding my XXXX XXXX account. Ive paid the balance off on XXXX. Prior to me paying the balance off, I asked if I could get a letter stating the account has been paid and has been zeroed out. Since ive paid I have been getting a run around with documentation stating that this account has been paid and zeroed out. Today I spoke with 4 different people who told me 4 different things. And yet to receive a letter stating my account is paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-13 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-13 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: MD

Complaint narrative:
Sent a letter on or about XX/XX/year> Containg a dispute for id theft as I have no recollection of having an account with XXXX XXXX. Sent in a police report. Statement and everything else required under 15 U.s 1681. 

TransUnion stated that they have there own policies that they do not have to follow the 4 day rule when it comes to identity theft. 

They refused to follow the rule and subsequently have not done anything.

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 2025-03-13 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: OR

Complaint narrative:
Dear CFPB Representative : I am writing to file a formal complaint regarding what I believe to be an unauthorized and potentially illegal access to my private data. I am concerned about the actions of the Department of Government Efficiency ( DOGE ) in accessing my personal information through the Department of Education without my consent.

Details of Complaint I recently discovered that DOGE has accessed my private information that was held by the Department of Education.

This access occurred without my knowledge or consent.

I believe this constitutes a violation of my privacy rights under applicable federal laws, including but not limited to the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) if educational records were involved. 

Impact This unauthorized access to my personal data has caused me significant distress and concern regarding : - The security of my personal information- The potential for misuse of my data - My rights to control access to my private information Requested Resolution I am requesting that the CFPB : - Investigate this matter to determine if federal privacy laws have been violated- Require DOGE to disclose exactly what information was accessed and for what purpose - Ensure that any improperly accessed data is deleted from DOGE systems - Take appropriate enforcement action if violations of law are found - Provide me with a complete accounting of what data was accessed and how it has been used - Remove any student loans associated with this privacy violation from my credit report, as they have been improperly handled and reported due to these unauthorized data access practices I understand that the CFPB may need to share this complaint with other federal agencies or the subjects of the complaint in order to address these issues properly. 
Thank you for your attention to this serious matter. I look forward to your response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OR

Complaint narrative:
Dear CFPB Representative : I am writing to file a formal complaint regarding what I believe to be an unauthorized and potentially illegal access to my private data. I am concerned about the actions of the Department of Government Efficiency ( DOGE ) in accessing my personal information through the Department of Education without my consent.

Details of Complaint I recently discovered that DOGE has accessed my private information that was held by the Department of Education.

This access occurred without my knowledge or consent.

I believe this constitutes a violation of my privacy rights under applicable federal laws, including but not limited to the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) if educational records were involved.

Impact This unauthorized access to my personal data has caused me significant distress and concern regarding : - The security of my personal information- The potential for misuse of my data - My rights to control access to my private information Requested Resolution I am requesting that the CFPB : - Investigate this matter to determine if federal privacy laws have been violated- Require DOGE to disclose exactly what information was accessed and for what purpose - Ensure that any improperly accessed data is deleted from DOGE systems - Take appropriate enforcement action if violations of law are found - Provide me with a complete accounting of what data was accessed and how it has been used - Remove any student loans associated with this privacy violation from my credit report, as they have been improperly handled and reported due to these unauthorized data access practices I understand that the CFPB may need to share this complaint with other federal agencies or the subjects of the complaint in order to address these issues properly.

Thank you for your attention to this serious matter. I look forward to your response and assistance in resolving this issue.

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 2025-03-13 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: OR

Complaint narrative:
Dear CFPB Representative : I am writing to file a formal complaint regarding what I believe to be an unauthorized and potentially illegal access to my private data. I am concerned about the actions of the Department of Government Efficiency ( DOGE ) in accessing my personal information through the Department of Education without my consent.

Details of Complaint I recently discovered that DOGE has accessed my private information that was held by the Department of Education.

This access occurred without my knowledge or consent.

I believe this constitutes a violation of my privacy rights under applicable federal laws, including but not limited to the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) if educational records were involved. 

Impact This unauthorized access to my personal data has caused me significant distress and concern regarding : - The security of my personal information- The potential for misuse of my data - My rights to control access to my private information Requested Resolution I am requesting that the CFPB : - Investigate this matter to determine if federal privacy laws have been violated- Require DOGE to disclose exactly what information was accessed and for what purpose - Ensure that any improperly accessed data is deleted from DOGE systems - Take appropriate enforcement action if violations of law are found - Provide me with a complete accounting of what data was accessed and how it has been used - Remove any student loans associated with this privacy violation from my credit report, as they have been improperly handled and reported due to these unauthorized data access practices I understand that the CFPB may need to share this complaint with other federal agencies or the subjects of the complaint in order to address these issues properly.

Thank you for your attention to this serious matter. I look forward to your response and assistance in resolving this issue.

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 2025-03-13 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX 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 the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES XXXX FCU - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX FCU - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX FCU - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX CARD - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2025-03-13 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: CL Holdings LLC
State: SC

Complaint narrative:
Dear Jefferson capital system I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt. 
6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the unfair and deceptive practices of Milestone Mastercard, which have negatively impacted my credit score. Despite my repeated efforts to resolve issues with my account, the company has refused to offer settlement options, continued to charge me incorrect amounts, and prevented me from closing the account. 

On XXXX, I contacted Milestone Mastercard to discuss settlement options for my outstanding balance, but I was informed that none were available. This contradicts standard industry practices and has left me without a reasonable path to resolution. 

Additionally, on XXXX, I requested a change to my payment schedule. Although this change was confirmed, Milestone Mastercard continued to charge me {$190.00} on the old due date, disregarding the updated agreement. This has resulted in ongoing financial strain and unwarranted fees. 

Despite my attempts to officially close the account, Milestone Mastercard has either refused or failed to process my request, causing further damage to my credit. These actions appear predatory and obstructive, leaving me with no choice but to escalate my complaint. 

I request an immediate investigation into Milestone Mastercards handling of my account and ask that any negative impacts on my credit report due to these unfair practices be rectified. Please confirm receipt of this dispute and provide guidance on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: Central Research Inc
State: AZ

Complaint narrative:
Due to the changes in governmental policy and oversight, it has been brought to my attention that the security of my personal and financial information was compromised without my consent or authorization.

I am aware that with these changes, they were in violation of the Family Education Rights and Privacy Act ( FERPA ) due to the breach in confidentiality of my financial and personal information.

I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ready Capital Corporation
State: SC

Complaint narrative:
Please refer to my previous inquiry submitted regarding GMFS mortgage serviced by XXXX. 
I requested a detailed accounting of all payments made to this company and a thorough explanation regarding where I stand with my mortgage. 
Their representative promised to send me an email showing payments due, payments applied and she did not due this. 
It is my belief, after reviewing all payments made, that I have significantly overpaid and should have a substantial credit on my account. 
I have followed up on her promise to send me this detailed accounting of paid versus payable and have heard nothing. 
This was a colossal mess, and I need this information in writing because the account has now been turned over to a new servicing agent and I need to know exactly where I stand. 
My loan number is XXXX. 
My name is XXXX XXXX and my emails is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit acceptance corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX. All XXXX are involved in racketeering influenced corrupt organizations. All XXXX are involved in XXXX XXXX  Documents have been uploaded. They know what they have done, I have contacted them multiple times. Its XXXX and my story has been consistent and this will be the year that they get exposed in front of the world for stealing peoples vehicle and seizing peoples vehicles and doctoring and concealing their crimes under the word repossession. Cfpb will be sued also if they assist and aid the XXXX in their crimes against United States citizens. Qui tam action explored. We will get justice. This entire site is telling what credit acceptance is doing and cfpb isnt doing anything about it.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America makes setting up AutoPay unnecessarily cumbersome and confusing. I have now made XXXX separate calls to their customer service line and they still have not succeeded in setting up my eBills such that I can set up automatic monthly statement balance payments for my credit card. My other cards and accounts make this process easy and intuitive. I have been charged multiple late payments by BoA because of not having autopay set up and missing a payment due date by a day or two. I am a responsible financial person and this is an egregious and predatory abuse by BoA to try and glean late fees from normal people instead of making the likely very easy and straightforward changes necessary to make AutoPay a much easier function to set up.

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 monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief