vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Hello. On XXXX I called One Main Financial/Brightway Credit card to settle a charged off credit card for {$400.00}. The settlement was approved by creditor and I immediately made the payment with my debit card ending in XXXX for the agreed amount. I was told by the rep that I would immediately receive a receipt confirmation within 24 hours via email and I would also receive a letter in the mail. Once I realized after a week or so that I never received an email I called them back and was told by another rep they do not send out emails and I would need to wait for a letter in the mail. I waited and still never received confirmation letter. I called back again and rep told me she would escalate the matter to upper mgmt and they she would send me something stating I paid this account. I never received anything so I called again, spoke to a manager and he told me I needed to be more patient as they have only been in business for 2 years and they are new and it takes time. This information is understandable yet not acceptable for me because I feel like I did my part.. I immediately made the payment when they approved the settled amount the least they can do is send me something stating I paid. They also continue to update the credit bureaus stating I still OWE {$460.00}. The balance should be XXXX! This information even after I have disputed multiple times is affecting my credit score. Again, I have spoke to them multiple times and continue to tell me the letter will ONE DAY be sent but can not give me a definitive timeframe and this is where I have a problem with even an email would suffice. Most creditors usually send something within 10 to 14 days if not sooner confirming payment. I have been as patient as I possibly can but again their lack of professionalism and urgency is hurting my credit. UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the breach of my personal information due to the Department of Educations ( DOE ) audit involving DOGE. This breach has resulted in unauthorized exposure of my private data, violating my rights under the Higher Education Act ( HEA ), the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ).

As a former student whose records are protected under FERPA, I am deeply concerned that my educational and financial data was improperly accessed, disclosed, or otherwise mishandled. FERPA ensures that my personally identifiable information ( PII ) remains confidential, and this breach has undermined that protection. Additionally, under the Privacy Act of 1974, the government has a legal obligation to safeguard my records from unauthorized access or disclosure, which has clearly not been upheld in this situation. The Higher Education Act also mandates strong privacy protections for student records, which appear to have been compromised due to this government audit.

This breach has caused significant concern for my privacy and financial security. I urge the CFPB to take swift action to ensure compliance with federal privacy laws and hold accountable those responsible for the mishandling of my personal information. 

Please confirm receipt of this letter and inform me of the next steps regarding my complaint. I can be reached at XXXX or ( XXXX ) XXXX for any further details. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252.

Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors. 
legislature.mi.gov Please provide the following information : Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g.

Legal Authority : Proof that your agency is licensed
and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252.

Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred.

Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency.

Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XX/XX/year>, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts.

senatedems.com Compliance with these updated provisions is mandatory.

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Hi, My wife and our two kids and I moved into a rented condo a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at the beginning of XXXX. Our last time lease renewal was either in XXXX or XX/XX/XXXX, I really don't remember. At that time, we had no attention to buying a home, but after a few months, we had an opportunity to purchase our home ( where we live now ). As soon as we signed the purchase contract for the new home ( was at least two months before we moved out ) we told the rental office that we were in the process of purchasing our first-time-ever home, and that there was a chance to move out but no guarantee yet. They said it's Ok since it's your first time buying a home, plus they had the last month and a security deposit ( two full months ' rent ), which has never been reimbursed. We moved out on XXXX XXXX, XXXX. This community had a waiting list of people to move in. I visited the unit one month after we moved out to get my mail and it was already rented. After a few months, my wife received a call from the head office of community owners, as she remember, asking for {$550.00} as additional fees for moving out 4 months before the lease expiration, and she paid them from her account. 
Now I am applying for my Mortgage Loan Originator License ( XXXX ), I found out that there is in my credit report that there is a debt collection by : PDM Professional Debt Mediation on behalf of XXXX XXXX XXXX, after more than seven years.

I called them and requested more details about debt collection, but they refused to give me any. I asked them how they contacted me as you claim, is it by phone, email, or mail? they couldn't approve any of these ways, they don't even know my address my phone number, or even my email address. They insist to pay them {$3400.00} as " Breaking Lease '' fine. and I really don't see any justification for these fees since XXXX XXXX never called me at that time, and they had all my information at that time, or any other debt collection. Now my XXXX License is pending on this and the collection agency refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/year> I received a letter informing me that I have an escrow shortage of XXXX. My taxes and insurance have not increased and even added together they do not total that amount. So even if there was a XXXX balance in my account, which there is not, it wouldn't equal that amount. Thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Yes there Are Fraudulent Inquires that is on my report they are unauthorized XXXX shoud not be there XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ DATE XX/XX/2025 ] [ EQUIFAX ]. [ EXPERIENCE ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX TX XXXX ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being 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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX ( XXXX ) XXXX LJ Ross Associates XXXX XXXX XXXX XXXX  XXXX Mi XXXX Account Number XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining.

A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract. 
Proof of your legal right to collect including a complete chain of title from the original creditor to your agency.

Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off.

Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law.

If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ).

Please respond to this request within 30 days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights.

I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX Ohio, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian, I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : List of the Name of the accounts. STUDENT LOANS DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ohio 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
After view my XXXX score I notice a fifth third bank account charge off it state that the account was written off in settlement witch mean vendor claim this account which IRS as write off. Upon sec 15 usc 1681s-2 ) fifth third bank is in violation of law. Im requesting a 1099c form cancellation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Opt-Out Request & Removal of Personal Information To Whom It May Concern, I formally request the immediate removal of my personal information from your records and any third-party databases due to my status as a victim of stalking and trafficking. Under the following laws, I assert my rights : FCRA ( 15 U.S.C. 1681c ) Right to suppress adverse information.

Gramm-Leach-Bliley Act Restricts disclosure of financial data. 

DPPA ( 18 U.S.C. 2721 ) Prohibits unauthorized sharing of motor vehicle records.

VAWA & Address Confidentiality Laws Ensure privacy for victims.

Required Actions : Delete and cease processing my personal data.

Stop sharing, selling, or distributing my information.

Provide written confirmation of compliance within 30 days.

Failure to comply may result in legal action. Please confirm in writing via mail or email. 

Sincerely, 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On Wednesday the XXXX of XX/XX/year>, I pulled my credit report and found three accounts that I had zero knowledge of or access to. Upon further investigation I found out the XXXX XXXX and XXXX XXXX had been opened by my mother XXXX XXXX XXXX and the contact information, phone number, and email address ( XXXX ) are hers, not mine. The XXXX XXXX also had her name as an authorized user. We share an address, however, I have no access to the mailbox, as she has the key. I confronted my mother about said accounts, and she admitted to opening these accounts without my knowledge or permission. Both these accounts were opened under my social security number, name, and date of birth without my permission, and the rest of the information as well as payments under them were all regarding her, XXXX XXXX. She also falsely added me as an authorized user on a XXXX XXXX account without my knowledge or permission, which showed up on my credit report as well.

Company response to consumer: Closed with explanation