vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 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: FL

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 explanation
Consumer complaint received 2025-05-03 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: HI

Complaint narrative:
I am a full-time teacher who qualifies for Public Service Loan Forgiveness ( PSLF ). I submitted my PSLF application, but many of my qualifying payments were not counted by Mohela, my loan servicer. 

The reason provided was that my loans were in automatic in-school deferment from XX/XX/XXXX to XX/XX/XXXX. However, I was employed full-time in public service and made payments during this period. I was never informed that deferment would nullify PSLF progress, nor was I given an option to opt out at the time. 

A representative at Mohela informed me that in order for those payments to count, I would have needed to waive the in-school deferment retroactivelysomething that is not clearly explained on any PSLF guidance or Mohelas site. 

I have made multiple attempts to resolve this issue by phone, but Mohela consistently leaves me on hold for excessive periods and I am unable to reach a representative. 

These delays and denials are affecting my PSLF progress unfairly. I am requesting CFPB assistance to have those payments reviewed and credited appropriately..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
On XX/XX/year>, I received an adverse action email from XXXX XXXX, XXXX, and I demand answers. First, it is completely unacceptable that I was not notified prior to the hard inquiry. I have made it explicitly clear to Experian, Equifax, and TransUnion that I do not authorize such actions, as confirmed by my credit reports. Additionally, I want to state unequivocally that I never applied for an auto loan with this institution. Given that my personal information has been breached XXXX times, this situation is entirely unacceptable. The credit reporting agencies must take accountability and adhere to their stated policies. This deserves immediate attention, as it is a serious violation of my privacy rights. 

At this moment, I am facing significant challenges in securing approval for a vehicle, obtaining my desired employment, and finding a suitable place to live. These difficulties primarily stem from ongoing issues with data validation from various furnishers, a concerning number of data breaches, and instances of identity theftall of which are impacting my situation. Given these challenges, I am determined to seek legal counsel to advocate for my rights and effectively navigate these complexities. I firmly believe that with the right support and guidance, we can find a constructive resolution to these pressing concerns, enabling me to regain stability and move forward with confidence.

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 2025-05-03 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: NC

Complaint narrative:
On XX/XX/year>, I received an adverse action email from XXXX XXXX, XXXX, and I demand answers. First, it is completely unacceptable that I was not notified prior to the hard inquiry. I have made it explicitly clear to Experian, Equifax, and TransUnion that I do not authorize such actions, as confirmed by my credit reports. Additionally, I want to state unequivocally that I never applied for an auto loan with this institution. Given that my personal information has been breached XXXX times, this situation is entirely unacceptable. The credit reporting agencies must take accountability and adhere to their stated policies. This deserves immediate attention, as it is a serious violation of my privacy rights. 

At this moment, I am facing significant challenges in securing approval for a vehicle, obtaining my desired employment, and finding a suitable place to live. These difficulties primarily stem from ongoing issues with data validation from various furnishers, a concerning number of data breaches, and instances of identity theftall of which are impacting my situation. Given these challenges, I am determined to seek legal counsel to advocate for my rights and effectively navigate these complexities. I firmly believe that with the right support and guidance, we can find a constructive resolution to these pressing concerns, enabling me to regain stability and move forward with confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 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 explanation
Consumer complaint received 2025-05-03 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, XXXX XXXX XXXX ( 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 2025-05-03 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, XXXX XXXX XXXX ( MO ) 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
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
I filed dispute with transunion XX/XX/XXXX today is XX/XX/XXXX and still haven't responded or been resolved please remove these accounts

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is currently evictions on my report which is not correct since I never got kicked out of my apartment and everything was settle they was suppose to clear it off my report but nothing never change its currently stopping me from buying/renting any homes I want this information on my report have been holding me back for years and Im currently keeping disputing them just for them to continue to be on my 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
Consumer complaint received 2025-05-03 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly with nonaffiliated institutions without my consent. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information. Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

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 2025-05-03 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly with nonaffiliated institutions without my consent. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information. Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

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 2025-05-03 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly with nonaffiliated institutions without my consent. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information. Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) due to Transunion credit reporting agency not providing the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on 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 non-monetary relief
Consumer complaint received 2025-05-03 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, 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 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 2025-05-03 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, 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 explanation
Consumer complaint received 2025-05-03 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Special Financing Company, LLC
State: AL

Complaint narrative:
Complaint Topic : Unauthorized Charges/ Billing Disputes Product : Installment loan ( for educational/training services ) Company : Special Financing XXXX XXXX XXXX connection with XXXX XXXXXXXX XXXX ) Issue : Charged my debit card after cancellation XXXX  stop payment ; no refund despite written confirmation Complaint Description : Dear CFPB, I am filing a formal complaint against Special Financing XXXX XXXX XXXX XXXX XXXXC regarding XXXX unauthorized charge XXXX my debit card after I was assured that my payment obligation had been cancelled. 

On XX/XX/year>, I enrolled in a sales training program with XXXX XXXX XXXX XXXX entered into a financing agreement with Special Financing Company XXXX cover the cost. During the initial sales call, I was assured by XXXX XXXX, a representative of XXXX XXXX, that there was a XXXX cancellation policy. Based on this, I agreed XXXX proceed. 

After completing the training XXXX  working with XXXX XXXX through XX/XX/year>, I expressed dissatisfaction with the service XXXX formally requested cancellation. XXXX XXXX acknowledged this request XXXX confirmed in writing that he would cancel the obligation from their end. He also instructed me XXXX initiate a stop payment with my bank on the XXXX withdrawal. 

I followed his instructions XXXX placed a stop payment with my bank on XX/XX/year>. Despite this, on XX/XX/year>, XXXX XXXX XXXX charged my debit card for {$260.00}. This charge was not explicitly authorized, and I had received direct written communication stating the loan obligation would be cancelled. My understanding at the time of signing was that charges would be made through XXXX only not by alternate means such as a debit card after cancellation. 

Although I initially authorized recurring payments by signing the contract, I was explicitly instructed by XXXX XXXX XXXX  stop payment after cancellation. I acted in good faith and reasonably believed the matter was resolved. The subsequent charge on my debit card undermined that trust and placed me in financial XXXX XXXXmotional distress. 

When I attempted XXXX reach out for clarification, XXXX XXXX removed my access XXXX their XXXX platform XXXX  Discord community XXXX ceased communication. XXXX XXXX XXXX claimed that they do not charge debit cards after the initial transaction, but my bank statements prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I entered into a contract with XXXX, which promised unlimited aligner revisions as part of a monthly payment plan. However, XXXX went out of business and ceased operations, leaving me without the services I had paid for. Despite this breach of contract, TekCollect is now attempting to collect {$960.00} for the remainder of the contract. 

I disputed the debt with XXXX but the dispute was rejected because it was " verified. '' I contacted TekCollect directly to explain the breach of contract and the fact that I did not receive the services promised. However, they refused to acknowledge the issue and continued to pursue the debt. 

I have requested validation of the debt from TekCollect, including a breakdown of charges, a copy of the signed contract, and proof that the debt was not discharged by XXXX bankruptcy. They have not provided any of the requested information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PR

Complaint narrative:
I have inquiries in my credit that I don't do. I have been in written communication by postal mail with Transunion, Equifax and Experian but I still have not received a response. They asked me for the complaint evidence.

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 2025-05-03 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: PA

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been battling ID Theft for the last XXXX  years. The most significant issue is these individual keep changing the phone number on the fraud alert notice from my phone number to their phone number by calling into the bureaus. Then the group proceeds to unfreeze the account and begin submitting loan applications. 

This has been ongoing for XXXX  years with all XXXX credit bureaus. I've asked many times for more protection. I've mentioned the use multi-factor authentication or some other method ( other than my personal information ) before making any changes to my account. This has fallen on deaf ears so far. 

If all XXXX bureaus would close this loophole, it would shut down the 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