vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was unaware that Bank of America had restricted my XXXX access until I attempted to send money to my parents. I later found an email from the bank stating that I had violated their terms and conditions, but they have yet to provide a clear explanation of what specific terms were allegedly broken. 

Since XX/XX/XXXX, I have repeatedly contacted Bank of America for clarification and resolution. I received one callback, but it was at the incorrect XXXX XXXX  instead of the XXXX XXXX  EST I had requested. The representative left a voicemail stating that my XXXX access was revoked, not just restricted. 

Following this, I called again on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Each time, the representatives apologized, confirmed that my XXXX access was restricted but could not explain why. I was repeatedly told that an internal request would be sent for a callback, yet I never received one from the XXXX or fraud department. 

I am requesting that Bank of America lift the restriction on my phone number for XXXX access or provide a clear, detailed reason for the action taken against my account

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 — Reporting company used your report improperly
Company: Self Financial Inc.
State: NY

Complaint narrative:
I asked for closed accounts to be removed from my credit report along with child support that shouldnt be reported at all because its against the la along with the actual accounts that are paid off but remain in my reports affecting my overall financial health and as a XXXX XXXX  who has the ability to use a XXXX XXXXXXXX loan I cant because if things that are on my credit report that shouldnt be there and should be removed if the accounts are closed or paid off. Please help me with this so they can remove what is on there thats should be removed since its considered paid off or closed accounts.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a federal student loan from XXXX, for {$500.00}. It was transferred to XXXX  years ago and XXXX  put the account in forbearance without explaining how interest would accrued etc, the balance is now showing over {$1000.00}. I was never informed that the loan was taken over by XXXX, as it still shows as under XXXX on XXXX and XXXX credit reports. I tried to dispute with each as its no longer with XXXX  as I recently learned but, they didnt remove it from my credit reports as such. In addition, the loan was in forbearance ( automatically ) under the cares act during COVID19, I was unaware that XXXX was the new loan servicer, I Never received any mailings, emails or phone calls from XXXX in only found out it was with them by checking Experian credit, however it always showed as positive with no payment due including for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when I checked my credit in XX/XX/XXXX my score dropped by XXXX points solely due to this student loan they reported it as 90 days past due and I had no idea that a payment was even due. I immediately found the contact info and called them very upset because Ive worked very hard on my credit over past years to get approved for a mortgage in the near future but, this loan from 17 years ago that I honestly didnt know anything about is now hindering my mortgage approval by their negligence in informing me properly of any upcoming or resumed payments. The phone number and email address they had for me has been inactive for years, and I have no access to either. The mailing address they had listed was inaccurate at the time of their mailing as I didnt officially move into the home nor did I legally change my address or license yet. Therefore, I never received anything from them. My family had to move 4 times since the pandemic so addresses have changed often and lots of mail has been lost as a result. Ive since made a payment plan with them however, I would like to have the 90 day late payment report removed from my credit as I was Not informed properly by XXXX at all

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a federal student loan from XXXX, for {$500.00}. It was transferred to XXXX  years ago and XXXX  put the account in forbearance without explaining how interest would accrued etc, the balance is now showing over {$1000.00}. I was never informed that the loan was taken over by XXXX, as it still shows as under XXXX on transunion and XXXX credit reports. I tried to dispute with each as its no longer with XXXX  as I recently learned but, they didnt remove it from my credit reports as such. In addition, the loan was in forbearance ( automatically ) under the cares act during COVID19, I was unaware that XXXX was the new loan servicer, I Never received any mailings, emails or phone calls from XXXX in only found out it was with them by checking XXXX credit, however it always showed as positive with no payment due including for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when I checked my credit in XX/XX/XXXX my score dropped by XXXX points solely due to this student loan they reported it as 90 days past due and I had no idea that a payment was even due. I immediately found the contact info and called them very upset because Ive worked very hard on my credit over past years to get approved for a mortgage in the near future but, this loan from 17 years ago that I honestly didnt know anything about is now hindering my mortgage approval by their negligence in informing me properly of any upcoming or resumed payments. The phone number and email address they had for me has been inactive for years, and I have no access to either. The mailing address they had listed was inaccurate at the time of their mailing as I didnt officially move into the home nor did I legally change my address or license yet. Therefore, I never received anything from them. My family had to move 4 times since the pandemic so addresses have changed often and lots of mail has been lost as a result. Ive since made a payment plan with them however, I would like to have the 90 day late payment report removed from my credit as I was Not informed properly by XXXX at all

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 2025-03-15 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: NJ

Complaint narrative:
I had a federal student loan from XXXX, for {$500.00}. It was transferred to XXXX  years ago and XXXX  put the account in forbearance without explaining how interest would accrued etc, the balance is now showing over {$1000.00}. I was never informed that the loan was taken over by XXXX, as it still shows as under XXXX on XXXX and equifax credit reports. I tried to dispute with each as its no longer with XXXX  as I recently learned but, they didnt remove it from my credit reports as such. In addition, the loan was in forbearance ( automatically ) under the cares act during COVID19, I was unaware that XXXX was the new loan servicer, I Never received any mailings, emails or phone calls from XXXX in only found out it was with them by checking XXXX credit, however it always showed as positive with no payment due including for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when I checked my credit in XX/XX/XXXX my score dropped by XXXX points solely due to this student loan they reported it as 90 days past due and I had no idea that a payment was even due. I immediately found the contact info and called them very upset because Ive worked very hard on my credit over past years to get approved for a mortgage in the near future but, this loan from 17 years ago that I honestly didnt know anything about is now hindering my mortgage approval by their negligence in informing me properly of any upcoming or resumed payments. The phone number and email address they had for me has been inactive for years, and I have no access to either. The mailing address they had listed was inaccurate at the time of their mailing as I didnt officially move into the home nor did I legally change my address or license yet. Therefore, I never received anything from them. My family had to move 4 times since the pandemic so addresses have changed often and lots of mail has been lost as a result. Ive since made a payment plan with them however, I would like to have the 90 day late payment report removed from my credit as I was Not informed properly by XXXX at all

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: MOHELA
State: CT

Complaint narrative:
I am currently in school and they send me bills to pay. I was told by my school that is being reported that is why I did not get worried. They put me into default and reported this against my credit. I even send them an email and they apologized for the inconvenience and that is being updated but couple days after they sent the default and was reported against my credit. This is outrageous I am currently under so much stress from school and that I have to deal with this is making me XXXX! This company is so bad with customer service I called many times waited for XXXX and XXXX hours and they did not respond to me. This is outrageous and unacceptable customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Method of Verification, Debt Validation & Immediate Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Dear EQUIFAX , EXPERIAN & TRANSUNION , I am formally disputing the inaccurate and unverified collection accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), you are required to conduct a proper reinvestigation of disputed accounts and ensure all reported information is 100 % accurate, verifiable, and substantiated.

Method of Verification ( FCRA 1681i ( a ) ( 2 ) ) I demand that you provide me with : 1. The name, address, and contact information of the entity that verified this account.

2. The exact method used to verify the listed accounts legitimacy.

3. A detailed explanation, including the date and parties involved in your investigation. 

If you can not provide this documentation, this account must be permanently deleted from my credit report immediately, as required under FCRA 1681i ( a ) ( 5 ) ( A ). Debt Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.
S.C. 1692g, I demand that XXXX XXXX XXXX XXXX XXXX XXXX provide me with : 1. The original signed contract or agreement bearing my signature, proving I authorized this debt.

2. A full itemized accounting of the alleged debt, including principal, interest, fees, and payments made.

3. Proof of their legal authority to collect on this debt.

Since I never authorized this company to obtain my personal information, their furnishing of this account to the credit bureaus without my consent violates FCRA 1681b ( f ) and constitutes an unauthorized, unlawful furnishing of data.

Demand for Immediate Deletion As per FCRA 1681c ( a ) and FCRA 1681s-2 ( a ) ( 1 ), unverified and inaccurate accounts must be promptly deleted. If you fail to remove this unverifiable account, you will be in willful noncompliance with federal law, and I will seek legal remedies, including statutory and actual damages under FCRA 1681n.

Failure to comply within 30 days from receipt of this letter will leave me no choice but to escalate these matters to the the Federal Trade Commission ( FTC ), and legal action in federal court. 

This letter serves as formal notice under the FCRA and FDCPA. I expect a response confirming the permanent deletion of this account. 

Sincerely, XXXX 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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with XXXX XXXX XXXX account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following all designated instructions and all these payments were on autopay. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
I received a Current credit card based out of XXXX XXXX XXXX XXXXXXXX XXXX XXXX that I have never applied for. I have my credit frozen with XXXX credit bureaus so I am unsure how that is even possible. It has shown up on my alert section of my XXXX XXXX app. I need this account closed and for this company to never again open a credit card in my name since my credit is frozen with XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
according to my research 1. Before reporting to a credit bureau, debt collectors must attempt to contact you, either in person, by phone, or through a postal letter or electronic communication, and wait a reasonable period of time to see if a notice of undeliverability comes back.

I did not nor to this day receive ANY communication, I still do not know if this is a debt buyer or the capacity of this company. Although they have validated with zero information.

2 Not only have they validated the information to be correct when it is NOT, they have violated the fcra by re aging the debt on XXXX. Stating XX/XX/2023 as last delinquency. 
This account has caused be to be XXXX  in a XXXX not only by its existence but making it seem like a more recent delinquency. The problems it has. caused me has been far reaching including XXXX  issues with my XXXX  because of lack of housing

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX 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