vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
They are reporting an incorrect date of service XXXX/XXXX/2018. I have not had an emergency room visit in the year 2018. They have yet to show me a copy of contract that I signed for services. This collection has changed hands several times through collections companies or new subsidiary. This collection account XXXX is over 7 years old which is outside the limits it can be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, we submitted a Qualified Written Request ( QWR ) to PHH Mortgage Services requesting proof of loan ownership, servicing history, and chain of assignments. PHH never directly acknowledged the QWR, but on XX/XX/year>2025, we received a 200+ page packet via their third-party vendor, Onity Group, delivered by XXXX 

The documents in the package were not ours they belonged to a completely unrelated borrower and included their full mortgage application, Social Security number, income details, and other private information. This represents a clear violation of the Gramm-Leach-Bliley Act ( GLBA ), RESPA, and applicable privacy regulations.

Despite this breach, PHH previously submitted a statement to the CFPB claiming it never received our QWR. This contradiction raises serious concerns of regulatory misrepresentation and systemic mishandling of borrower data.

PHHs law firm has since sent an unsolicited offer of {$20000.00} in exchange for waiving all legal rights and defenses without disclosing who their client is or acknowledging any wrongdoing. We have filed declarations and supporting evidence in state court and reported this matter to the Florida Attorney General.

We are requesting immediate review of this privacy breach, mishandling of our QWR, and PHHs contradictory regulatory conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
A fraudulent loan was taken out in late XX/XX/XXXX in my name using my name and social Security number in the amount of {$1600.00} with XXXX XXXX  XXXX My cell phone and email that were given to XXXX XXXX XXXX XXXX were not correct. After that, this debt was sent to debt collectors who tried to call me and I thought a lot of these calls were spam since I did not have any loans outstanding. Im a XXXX XXXX  and I did not answer these calls. There was no email or correspondence through the regular mail. I found out about this fraudulent loan debt from my credit card company alerting me that my credit score had changed. After reviewing my credit report, I figured out in early XXXX that there was a fraudulent loan taken out in my name from XX/XX/XXXX. The total amount now is {$2100.00}, which includes fees and penalties for non-repayment. I spoke to XXXX XXXX at XXXX informing him that this loan was fraudulent and I then reported it to the Federal Trade Commission. The phone for XXXX is XXXX or XXXX XXXX XXXX  XXXX stated that they sold this loan to a company called XXXX XXXX who in turn sold to the XXXX XXXX and then again to XXXX XXXX. Finally, a debt collector called XXXX XXXX XXXX has been texting that I now owe {$2500.00}. please help! 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SLM CORPORATION
State: IL

Complaint narrative:
XXXX XXXX has pulled my credit on many occasions without my permission and without me having any open accounts with them. XXXX accrued on XX/XX/XXXX as well as XX/XX/XXXX. Reporting the information to all three bureaus. Sallie Mae as well has done a hard inquiry on my credit report XX/XX/XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XX/XX/year> Nelnet Account # XXXX To Whom It May Concern, I am writing to formally dispute and report multiple inaccuracies regarding my student loan account ( s ) serviced by Nelnet, which have been reported to the credit bureaus and appear on my credit report.

The reported information contains errors that are consistent with known issues currently being investigated and litigated in connection with Nelnets servicing practices, including but not limited to : Misreported loan balances Duplicate loan entries due to servicing transfers Inaccurate payment history ( including false delinquencies ) Errors in repayment plan calculation and account status Delays in applying payments or plan changes that led to incorrect negative reporting These inaccuracies have adversely affected my creditworthiness and are inconsistent with my actual repayment activity and financial records. I believe they are part of the broader pattern currently under legal scrutiny, as evidenced by recent lawsuits and investigations involving Nelnet.

Action Requested : I am requesting the following actions be taken immediately : A thorough investigation into the loan ( s ) in question.

Removal or correction of all inaccurate, outdated, or misleading information related to my Nelnet-serviced loans.

Written confirmation of the results of the investigation and an updated copy of my credit report.

This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, and I request a full resolution within 30 days as required by law. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and keep me informed of all developments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Credit Bureau, I am writing to dispute several inaccurate or unverified accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 [ 15 U.S.C. 1681g ] and Section 611 [ 15 U.S.C. 1681i ], I request an immediate reinvestigation and removal of the following accounts unless verifiable proof of their validity is provided.

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$76.00} Date Opened : XX/XX/XXXX - XXXX XXXX {$140.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX ( Charged Off ) - XXXX XXXX XXXX  {$630.00} Date Opened : XX/XX/XXXX {$90.00} Past Due I request that you provide the following for each item : - A copy of the original signed contract or agreement- The full payment history and itemized charges - Proof of ownership of the debt by the reporting entity - The name and contact information of the original creditor If any of this information can not be verified with documentation as required under federal law, these accounts must be deleted from my credit report immediately. Unverified or outdated information negatively impacts my creditworthiness and violates my rights under the FCRA. 

Please complete your reinvestigation within 30 days and send me written confirmation of the results. 

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This complaint is directed at GM Financial regarding the inaccurate and unverifiable reporting of an auto loan account ending in XXXX, listed as a charge-off on my credit reports. Despite multiple direct Metro 2compliant dispute letters over a five-month period ( XX/XX/XXXX XX/XX/XXXX ), GM Financial failed to provide legally required validation or documentation.

I specifically requested : A copy of the original signed contract Proof of lawful repossession ( if applicable ) Auction documentation and proceeds applied A full account reconciliation ( itemized ledger, fees, interest, balance ) IRS Form 1099-C if any debt was canceled or forgiven GM Financial replied using generic, templated language stating only that the data is accurate without providing any substantiating evidence. This violates FCRA Section 623 ( b ), which mandates a reasonable investigation when a dispute is submitted. 

At no time did they provide : Evidence to justify the $ XXXX balance Any ledger or breakdown of charges Proof of ownership or chain of title 1099-C issuance or cancellation record Furthermore, GM Financial recycled prior responses and misclassified my disputes as substantially the same despite each letter raising new and lawful issues. This practice violates FCRA 623 ( a ) ( 8 ) ( E ), which forbids dismissing disputes without proper review.

They also failed to provide any documentation or summary of an internal investigation, as required by both Metro 2 and FCRA guidelines. Yet, the account continues to be furnished to the credit bureaus monthly without legal basis and is causing ongoing damage to my credit profile. 

Due to CFPBs 10MB file limit, Ive attached select documentation. Full correspondence history ( disputes + responses ) is available upon request. Valid ID and SSN verification were included with prior letters.

Requested Resolution : I am requesting the immediate deletion of this unverifiable account from all credit reporting agencies, as it lacks the minimum legal and evidentiary standard for continued reporting under U.S. consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: 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 List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request an investigation regarding discrepancies in my credit report, specifically concerning late payment entries for an account on which I have consistently maintained timely payments. It is essential for Consumer Reporting Agencies to accurately report consumer information, and I believe that the current records do not reflect this standard. 

I would like to emphasize that I have never missed a payment on the following account : XXXX XXXXXXXX XXXX * * *. My XXXX  report confirms that there are no late payments recorded ; however, both TransUnion and XXXX  indicate a late payment reported in XX/XX/year>. 

In light of these discrepancies, I respectfully request a comprehensive investigation into this matter. Please provide evidence substantiating the reported late payment, including relevant statements and any documentation that illustrates the claimed lateness. Should you be unable to provide such proof, I urge you to promptly update my payment history to accurately reflect my record of on-time payments, as I have consistently fulfilled my payment obligations without delay.

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 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed. 

XXXX formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : Fraudulent Accounts 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 Fraudulent Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 2025-05-15 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: IL

Complaint narrative:
I submitted couple of dispute with Transunion and they tried to investigate but still my credit score and my credit balances have not been updated. Its been more than a month that Ive been trying to get it fixed with Transunion, but the are not updating the information. They are no help at this point.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OR

Complaint narrative:
An unauthorized disclosure of my student loan records by the XXXX Department of Education ( DOE ) to the Department of Government Efficiency ( DOGE ), which violates 20 U.S.C. 1232g ; 34 CFR Part 99 of the Family Educational Rights and Privacy Act ( FERPA ).

I submitted a complaint to FERPA in XX/XX/scrub> 2025, and have yet to hear back on any of my proposed remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MI

Complaint narrative:
I recently discovered that my Cash App account has been closed, but I was not informed when or why this occurred. I believe this may have been a mistake, as I am unaware of any violations of your terms of service or irregular activity associated with my account. 

I respectfully request a full explanation for the closure and a review of my account status. If this was done in error, I ask that my account be reinstated. 

Please let me know if you require any information from me to verify my identity or support my request. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed. 

XXXX formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : Fraudulent Accounts 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 Fraudulent Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( XXXX ) from my credit report within the MANDATED XXXX timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

Company response to consumer: Closed with non-monetary relief