vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: AL

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-02 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX  -Employer - XXXX XXXX XXXX XXXXXXXX Name : - XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX Address XXXX - XXXX XXXX XXXX, XXXX, LA XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
i had a medical issue that took me out of work for a while... i worked with freedom mortgage company who services my home loan.... the representative told me about a forbearance and made it sound like i can skip some payments to help me get back on my feet and made it sound like the missed payments would be put at end of loan for payback. how ever thats not what they did, they sent me a letter trying to arrange pay back which doubled my mortgage payment and i responded i couldn't make double payments so to avoid foreclosure they did a loan modification which i felt compelled to agree to so i could save my home. the loan modification in my opinion scammed me as i will explain ... they added XXXX to my loan which took me from owing XXXX the cost of the house to a loan now at XXXX which house is currently not valued at that amount. then they raised my interest rate to over 7 % which i understand is the normal for a loan mod. so now my monthly payments jumped to XXXX a month and the loan was extended to a 40 year which i understand is standard. my issue is that they already raised my loan by XXXX and now added on 10 more years of payments which now has me paying XXXX XXXX over the life of the loan. i don't know how they can add money to the loan as well as adding 10 years of payments.... so because i felt i was misled as to how it works i am now paying this mortgage company way more than the XXXX i got behind in payments, this seems like scam on me when i needed help staying in my home. so by my calculations the extra 10 years of payments comes to XXXX by itself which is more then i paid for the house ... so if they are going to receive XXXX for the extra 10 years how are they allowed to add XXXX to the original loan i am being severely penalized for having a XXXX XXXX and needing XXXX XXXX XXXX.... i also know that missed payments need to be repaid and i am not trying to not repay but i feel if you added XXXX to original loan and raised my interest rate above current levels then over 40 years that payback more then covers the XXXX i got behind... this company is getting missed payments back as they added to my loan amount and they are getting 10 years more payments on top of raised interest rates so the bottom line is my 30 year loan at payoff would have been XXXX now i will be paying back XXXX XXXX a difference of XXXX as a disable veteran this seems so out of reach and feel i am heading for foreclosure because getting sick and missing payments has resulted in costing almost half a XXXX dollars in penalties....

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 2025-05-02 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: OK

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX 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 XXXXXX/XX/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 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I knew there was something wrongI went back to find the original complaint from First Financial Investment Fund, and Im being garnished for the wrong amount. According to the original claim, First Financial Investment Fund sued for $ XXXX $ XXXX {$100.00} in my Jurisdiction of XXXX in XX/XX/2016 which was 9 years ago, that is far past Georgias statute of limitations of 6 years but then turned around and sued me again on the exact same case in another county outside of my jurisdiction and the judgement became {$2600.00} so which one is it that I would owe the {$1700.00} or the {$2600.00}, and isnt that double jeopardy to sue on the same case that already got a judgement??? And from a company not certified as a debt collector?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-02 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: FL

Complaint narrative:
I worked with Earnin on a previous basis. I had since closed the bank account that I had previously used. 

When my XXXX linked my new bank account, Earnin was able to gain access to it, and attempted to claw the money out of my bank account, causing me to overdraft. They were not authorized to make this ACH payment. 

I reached out to their customer support team through the app, and they said that since it is pending, that there is nothing they can do until it posts. Then, when I reached out after the payments had posted ( putting me into major overdraft ), they said since it was posted, there is nothing they can do. 

I escalated it further to speak with a manager by referencing the CFPB, and I have yet to hear from a manager.

I have demanded a refund, as well as I am demanding coverage for any fees or expenses and due hardship this has caused. 

Earnin 's policy explicitly states that they have no legal recourse and as a borrower, there is no obligation to repay Earnin back for the wage access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: PA

Complaint narrative:
I enrolled in XXXX XXXX XXXX using a loan from Ascent  XXXX based on the schools advertising and recruiter promises. I was told there would be thousands of XXXX XXXX available upon graduation, including local jobs for new drivers, and that I could earn an average salary of $ XXXX. The school advertised that students would land jobs within XXXX weeks of completing the program. 

Its been over a year since I graduated, and I have yet to find employment in the field. Ive tried on my own to apply for local jobs, but I am constantly overlooked for local jobs because I have no experience. The company did not set me up with recruiters that accept new drivers for local jobs, and the app they told me to use only shows jobs hours away or in other states XXXX hours away. 

I also received no meaningful job placement support, despite being told it would be provided. I now owe over {$14000.00} and feel I was misled into borrowing money based on deceptive advertising and false expectations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: ME

Complaint narrative:
All 7 of my subsidized student loans have accrued interested. Interest was not suppose to start accruing until XX/XX/XXXX. I talked with a Nelnet representative on the phone today ( XX/XX/year> ) and they told me this should not be happening and have sent my account for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a mishandled debt collection and inaccurate credit reporting related to a XXXX XXXX  credit card account with an outstanding balance of approximately {$8000.00}. 

Due to financial hardship, I was unable to repay the balance and was subsequently taken to court. A judgment was entered, and a wage garnishment was enforced through a debt collection agency, Foster and Garbus. My employer complied with the court order and made regular deductions from my wages. According to the sheriff 's office handling the garnishment, the full amount has been paid, and the wage garnishment is now considered satisfied. I have received official documentation from the sheriffs office verifying that the garnishment was completed and the debt paid in full.

However, complications have arisen following the completion of the garnishment : Foster and Garbus no longer handles the account, as it has since been transferred to XXXX and XXXX. 
XXXX and XXXX claims they have not received any payment. 
Foster and Garbus also claims they have no record of receiving the funds.

Despite the sheriff 's office confirming payment and disbursement of the full amount to Foster and Garbus, neither debt collector is acknowledging receipt.

I have contacted all parties involved, including XXXX  XXXX, and have been unable to resolve the matter.

I have submitted three disputes to XXXX, including copies of the documentation from the sheriffs office, yet the account remains listed on my credit report as unpaid, negatively impacting my credit. 

I am requesting the CFPB to investigate this matter. I am seeking the following resolution : Confirmation that the debt has been properly credited as paid in full. 
Correction of any inaccurate information being reported to the credit bureaus. 
Assurance that no further collection activity will be pursued on this satisfied debt.

Thank you for your attention to this matter. I respectfully request your assistance in resolving this issue promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have a closed account showing on check systems but I don't have a closed account. And the bank, Ameris, can't find it to remove it from the system. I am unable to open a new account at a different bank due to this error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This is not my account. I have no knowledge of this account. 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/year>, Experian has systematically denied me access to my credit file, despite repeated attempts to obtain a copy through its website, customer service, and written correspondence. This ongoing denial directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to review their credit reports for accuracy and completeness. By blocking my access, Experian has effectively prevented me from identifying and disputing inaccurate, incomplete, or outdated negative information on my reportinformation that continues to harm my creditworthiness. 

As a result of these unresolved inaccuracies, I have been denied credit opportunities and faced significant financial hardship, including higher interest rates and loan rejections. Experians failure to comply with federal law has not only deprived me of my legal right to contest errors but has also perpetuated damage to my financial standing.

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