vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I have submitted a PSLF buyback request for my federal student loans on XX/XX/year>. I was told it would be 45 buisness days to process. It has passed that 45 buisness day limit and i have continued to call studentaid.gov to check for updates and have continued to be told its still processing.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
1. Account Transfer and Initial Inquiry In XX/XX/XXXX, my account was transferred from Dell to Community Bank. 
In XX/XX/XXXX, I contacted Community Bank to inquire about the balance, as I was concerned that : The account was not yet paid off.

The balance had increased since the transfer.

I needed a breakdown of payments and transaction history.

2. Identity Verification Issues & Account Closure I attempted to verify my account online, but the verification failed.

I then called Community Bank, but phone verification also failed. 
I was instructed to send an email to their account verification department with : Drivers license Social Security card Proof of address I sent the required documents on XX/XX/XXXX. 
XX/XX/XXXX ( just two days later ), I received a letter stating that the account was closed.

Upon calling Community Bank for clarification, I was informed that the account was closed by their fraud department because they were unable to verify the account using the information I provided.

3. Request for Audit & Lack of Response Since Community Bank could not verify my account using my own personal information, I refused to make payments until they could prove that the account belonged to me. 
I asked how the account was transferred, whether it was merged with another account, and if there were errors in the transferbut I received no clear answers. 
On XX/XX/XXXX, I sent a certified letter to Community Bank formally requesting a full account audit, including : A full transaction history of the account.

Confirmation that the account actually belongs to me.

An explanation of the discrepancies in the balance from the transfer.

Community Bank never responded to my letter, yet they continued reporting the account to the credit bureaus. 
4. Credit Bureau Dispute & Continued Reporting In XX/XX/XXXX, I disputed the account with the credit bureaus based on Community Banks failure to verify the account and their lack of response to my audit request. 
In XX/XX/XXXX, Community Bank verified the account as valid with the credit bureaus, despite : Previously closing the account due to fraud because they could not verify my identity.

Failing to provide me with a full account audit or transaction history.

5. New Information from Community Bank ( XX/XX/XXXX ) On XX/XX/XXXX, I contacted Community Bank again. 
A representative told me that the account had been " verified '' in XXXX XXXXyet I was never notified, nor do I know how or with whom they verified it. 
The representative also stated that it was not their responsibility to provide a full audit of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I signed up for the Tomoboost XXXX  service on XX/XX/XXXX with the promise of providing 2 years of credit reporting and reporting at least a {$10000.00} line of credit to relevant agencies. 

As of XX/XX/XXXX, I have seen XXXX reporting of either promise for the {$300.00} I spent on this service. 

They have effectively done next to nothing noticeable when it comes to credit beyond showing me my score, which I can see on a multitude of free services that provide a much more substantial benefit. 

I have emailed them on XXXX separate occasions regarding this issue and in XXXX, this is what the company 's response was : " We sincerely appreciate you being our valued TomoBoost XXXX  Member. 

Your initial credit reporting will be the base limit for your TomoBoost XXXX. 

To help you boost your credit score, we will include your bills in our monthly reporting cycle, so that it will then show as the higher limit. 

Keep in mind that we will report to all three major credit bureaus here in the U.S. on a monthly basis. Credit data is important, so we have a thorough review process for quality reporting. Each bureau can have different reporting guidelines and timelines ; one might report sooner than the others. This usually happens once a month or at least every 45 days. We recommend waiting a minimum of 45 - 90 days to see your reporting. 

Please note, that our system does not report until your payments are current. A past-due balance will delay or stop reporting. '' Then in XXXX, I received no response except a request for personal information and a request to rate the service I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was over XXXX XXXX XXXX and I already paid XXXX and returned every equipment. I dont understand why this new creditor that open this account two years ago I never heard of. I do not owe {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Management Core Solutions, Inc.
State: VA

Complaint narrative:
Okay so i ended up going to court for this matter last year, between XXXX and XXXX of last year. The judge dismissed the case because the lawyer didn't appear at the final hearing. The judge also stated that they could sue me XXXX more time for this matter. I had received numerous letters by a debt collection agency harassing me and threatening to sue me. This is unethical and I am not responsible for the debt. I just recently got a XXXX warrant in debt letter to appear in court on XX/XX/year> to fight this.

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 2025-02-13 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: NY

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am unable to make payments within 5 days of each other. I have to make multiple payments due to the restrictions that are placed on my checking account. I am unable to make any additional payments without having to contact them by phone. This also means, I can not change ANY of my contact information without calling. 

Also, I have attempted on several occasions today XX/XX/XXXX to chat with a rep and it keeps being closed without an explanation. I called the only number XXXX and spoke with " tech support '' he informed me that it was my connection, however I tried on a different device and it was the same thing. 

XX/XX/XXXX statements shows {$140.00} in late fees, then XXXX says {$160.00}, then {$170.00} in XXXX. No one has been able to explain the additional {$10.00} and it is not listed on any statement.

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 2025-02-13 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-02-13 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

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 2025-02-13 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: IL

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
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

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

Company 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 2025-02-13 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: OH

Complaint narrative:
I PREVIOUSLY FILED CFPB COMPLAINT XXXX WHICH WAS COMPLETELY IGNORNED AS NOTHING I DISAGREE WITH THE RESULTS THIS IS A VERY STRESSFUL TIME FOR ME AND IS CAUSING GREAT STRESS. PURSUANT TO FCRA 611 I REQUEST A REINVESTIGATION WITH STRICT PROOF METHOD OF VERIFICATION SEE ATTACHMENT THE CONTESTED ITEMS/ACCOUNTS CURRENTLY REPORTING XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, 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

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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
I received a XXXX letter from the state. They put a lien on my social security number from a debt I allegedly owed I never got a paper bill or any sorts of bills for that XXXX. I called the requesting agency which is XXXX XXXX and they told me they have nothing in their system and to contact the collection agency. I called collections and they told me I owed {$12000.00} and they cant give me any more information but that. I called my insurance company and they told me they never received any billing claims and the ones they did receive for my XXXX  visit they already covered them. I been insured since XXXX  so there is no way this debt is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to correct inaccurate information on my credit report and for not providing supporting documentation from the creditor as requested during my initial dispute. On XX/XX/year>, I submitted a formal dispute regarding inaccurate reports of late payments on the following accounts : XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX XXXX Account XXXX XXXX, providing XXXX to support my claim. However, Experian has continued to report the incorrect information without proper verification. Additionally, I requested copies of statements and payment transaction records from the creditor to substantiate the reporting, but Experian has failed to provide these documents. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and access to relevant documentation, yet Experian has not fulfilled its obligations. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I request that the CFPB intervene to ensure Experian corrects or removes the inaccurate information, provides the requested documentation, and complies with FCRA guidelines.

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 2025-02-13 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Loans showing in my account ( over XXXX different accounts ) are showing up in my credit report and being duplicated. This is causing my credit score to be low and is incorrect reporting of my accounts

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that still reporting is a chargeoff amount of {$2300.00} for a Wells Fargo credit card that I paid to {$0.00} in XX/XX/year>. I am disputing the validity of this balance as 1 ) it has already been paid, 2 ) it negatively impacted my credit scores, and 3 ) it is being added to my total Debt-to-Income which is directly impacting how much I qualify for in a home loan.

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 2025-02-13 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: NC

Complaint narrative:
My identity was stolen. Someone has used my m name, birthday, and social to open fraudulent accounts and inquiries. This is really affecting me to be able to get a home, a car, loans etc. I didnt give authorization to open the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
My identity was stolen. Someone has used my m name, birthday, and social to open fraudulent accounts and inquiries. This is really affecting me to be able to get a home, a car, loans etc. I didnt give authorization to open the 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 non-monetary relief
Consumer complaint received 2025-02-13 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:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2025-02-13 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: NY

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with explanation