vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an email from this collection agency. The email is dated XX/XX/XXXX. As I was reviewing my credit report for any discrepancies, I noticed that the collection agency report the debt to the credit bureau on XX/XX/XXXX without giving me the ability to verify the debt. I have not heard back from the collection agency nor have they placed the questionable debt as a dispute with the credit bureau. I am requesting your assistance to hold them accountable and to render any remedy on my behalf. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: 24/7 MORTGAGE CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against XXXX Mortgage for misrepresentation and potentially deceptive lending practices that placed me in violation of my legally binding purchase contract and put me at financial risk. 

I entered into a home purchase agreement for a primary residence with XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The contract explicitly states " No investor purchases '' and requires the buyer to obtain a conventional primary residence loan. 

After being denied a conventional primary home loan by XXXX XXXX, XXXX Mortgage advised me that the only way to proceed was to apply for an investment property loan with 30 % down. I was not informed that this violated my contract. I was assured by the loan officer that this was the only solution to keep my file moving and that she would ensure approval. 

I was subsequently sent disclosures and lock rate documents on XX/XX/XXXX and XX/XX/XXXX, which I signed under pressure and based on their advice. On XX/XX/XXXX, I was told to lock a XXXX XXXX rate with {$1500.00} ; then on XX/XX/XXXX, I was told I had to pay an additional {$3900.00} or accept a 7.49 % rate- all for an investment loan I never intended to pursue. 

Only after this did I realize that proceeding with the investment loan : - Violates my purchase contract - Disqualifies me from claiming the homestead exemption - Prevents me from living in the property for 2 years - Risks forfeiture of my {$20000.00} earnest money deposit XXXX Mortgage knowingly placed me in a situation that could lead to breach of contract and significant financial harm. I am now trying to cancel the contract and recover my earnest money, but this lender 's actions have complicated my position. 

I am requesting CFPB to investigate this lender 's conduct and hold them accountable for steering me into a loan product that contradicted the terms of my home purchase

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: WI

Complaint narrative:
Please remove all information that is not mines. I was in several breaches that caused wrong information to be put on my report and per the FCRA this information is violating my consumer rights to have the right information on report. Please REMOVE all wrongfully added information off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC for attempting to collect a XXXX debt without providing proper validation. I requested to please not only call me and that all communication be sent in writing. I also requested : A copy of the original contract with the original creditor, a full payment history from the original creditor, and proof that the debt was assigned or sold to Jefferson Capital Systems , LLC. To date, they have not provided any of this information. I ask that the XXXX debt to be removed entirely if it can not be validated. I am requesting the CFPB 's assistance in ensuring they either provide proper documentation or cease all collection efforts and remove this account from my credit report.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the student loan accounts currently listed on my credit reports with Experian, XXXX, and XXXX. These accounts are being reported by XXXX and pertain to my federally funded student loans. 

Upon investigation of my records, I have found that there was a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). XXXX XXXX was given unauthorized access to my financial records specifically, my education records, including personally identifiable information, were disclosed or used without my written consent, which directly resulted in the unauthorized reporting of these student loans to the credit bureaus. 

Under FERPA, educational institutions and their partners are strictly prohibited from releasing student information to third parties without explicit, written permission from the student. The improper handling and sharing of my records, including the reporting of my private student loan information, constitutes a direct violation of 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 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute the student loan accounts currently listed on my credit reports with XXXX, XXXX, and TransUnion. These accounts are being reported by XXXX and pertain to my federally funded student loans. 

Upon investigation of my records, I have found that there was a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). XXXX XXXX was given unauthorized access to my financial records specifically, my education records, including personally identifiable information, were disclosed or used without my written consent, which directly resulted in the unauthorized reporting of these student loans to the credit bureaus. 

Under FERPA, educational institutions and their partners are strictly prohibited from releasing student information to third parties without explicit, written permission from the student. The improper handling and sharing of my records, including the reporting of my private student loan information, constitutes a direct violation of 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 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute the student loan accounts currently listed on my credit reports with XXXX, Equifax, and XXXX. These accounts are being reported by XXXX and pertain to my federally funded student loans. 

Upon investigation of my records, I have found that there was a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). XXXX XXXX was given unauthorized access to my financial records specifically, my education records, including personally identifiable information, were disclosed or used without my written consent, which directly resulted in the unauthorized reporting of these student loans to the credit bureaus. 

Under FERPA, educational institutions and their partners are strictly prohibited from releasing student information to third parties without explicit, written permission from the student. The improper handling and sharing of my records, including the reporting of my private student loan information, constitutes a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-05-14 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX S.C XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, Subject : Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) I am writing to formally dispute several inaccuracies on my credit report as provided by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I request that the following items be investigated and removed due to their inaccuracy and unverifiability : 1. XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts are inaccurate and do not reflect my true credit history.

Furthermore, under 15 U.S.C. 1681i ( a ), I request a reinvestigation of these disputed items. If the information can not be verified within 30 days, it must be deleted from my credit report.

Please conduct a reasonable investigation of these matters and delete any information that can not be verified or is found to be inaccurate. I request written confirmation of the results of your investigation and an updated copy of my credit report.

Attached are copies of documents supporting my claim ( e.g., proof of identity, account statements, letters, etc. ). 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing to report a situation involving what I now understand to be a scam, which has led to my Chase account being overdrawn and my personal funds being lost. 

I met this person over social media. On XX/XX/XXXX, they sent me an electronic check for {$500.00} and asked me to deposit it into my Chase account. Once the funds appeared as available, I was instructed to send {$300.00} and {$200.00} to an individual they claimed to know. Because the {$500.00} showed as available in my account, I believed the funds were legitimate and completed the transfers. 

A few days later, they sent me another electronic check for {$1500.00}, which I deposited. I was informed by Chase that I wouldnt have access to those funds until XX/XX/XXXX. In reality, the {$1500.00} never appeared in my available or current balance, and I did not access or use those funds in any way. 

As of XX/XX/XXXX, both checks were returned as unpaid. My account is now significantly overdrawn, and Chase has withdrawn my personal funds to cover the negative balance. 

I have since been blocked by the individual who sent the checks, and I have no way to contact them. I now realize I was targeted by a scam through social media. 

I contacted Chase and was told there was nothing they could do, even though I acted in good faith based on the account information available to me at the time. I am requesting your assistance in filing a formal complaint and recovering my lost funds. 

I can provide supporting documentation including bank statements, check images, and communication with the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I received notice from CashApp stating my account would be closed due to we have found activity that violates our Terms of Service XXXX XXXX XXXX XXXX XXXX, including payment activity related to gambling ( raffles, lotteries, casinos, bingo, betting of any kind, among others ) along with other potential violations. I have never engaged in any activity on Cash App that violate TOS. I dont gamble at all with the exception of an occasional XXXX  XXXX raffle and those tickets are always purchased in person with cash. I reviewed my account, concerned for fraud. The only activity on my account is a payment from a coworker to reimburse me for paying for lunch, and enrollment into rewards programs for a chocolate shop and a yarn shop. I asked Cash App to investigate, given the discrepancy between what I could see and what they reported. Cash App customer service insists there is unauthorized activity and the account closure remains. Ive asked for transaction records so I can investigate potential fraud and Cash App adamantly refused to provide any information regarding any transactions on my account, with big bold text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit thank you

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am escalating my original complaint ( reference number XXXX ) regarding the fraudulent reinsertion of a XXXX XXXX XXXX XXXX account into my credit report, which was initially removed in XX/XX/year>. In XX/XX/year>, Experian reinserted the same account back into my report with altered metadata, including backdated late payments, without providing written notice as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

As of XX/XX/year>, it has been over a month since this reinsertion occurred, and Experian has failed to mark the account as disputed, despite the fact that I have clearly disputed the fraudulent account. FCRA 1681i ( a ) ( 3 ) mandates that if a consumer disputes an account, it must be marked as disputed while the dispute is under investigation. Experian 's failure to comply with this requirement, combined with the failure to comply with FCRA and Metro 2 standards, has caused significant harm.

Legal Violations : FCRA Section 1681i ( a ) ( 5 ) ( B ) : Reinsertion of a fraudulent account without written notice to the consumer. 

FCRA Section 1681i ( a ) ( 3 ) : Failure to mark the fraudulent account as disputed during the investigation process. 

Metro 2 Compliance : Experians reporting fails to meet the Metro 2 standards for accurate and compliant credit reporting, especially regarding disputed accounts.

Private Cause of Action : Under FCRA Section 1681n and 1681o, consumers can pursue a Private Cause of Action for willful and negligent noncompliance by credit reporting agencies. The Private Cause of Action allows consumers to recover actual damages, statutory damages ( up to {$1000.00} per violation ), and punitive damages if the violation is deemed willful. Experians continued failure to adhere to the law, especially regarding Metro 2 compliance and the disputed account marking, clearly meets the criteria for willful misconduct, justifying a Private Cause of Action.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 2025-05-14 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: CA

Complaint narrative:
I believe one of my cousins used my info to open up this account, this isnt mine and I would like it to be removed from my credit report please. Thank you. There are also an enormous amount of unauthorized inquires that I want to have removed as well. I did no apply for these things.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit file regarding my Credit Card Account [ XXXX ]. Specifically, I have identified that a late payment has been incorrectly reported, negatively impacting my credit score.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was in forbearance and they randomly put a 90 day late payment on my credit while I was in forbearance when I asked them to correct it they told me no when I asked them for the information on late payments and or the documentation they sent they told me no I also asked them to remove the 90 day late payment because I was always in forbearance they told me no. The late payments dropped my credit score over XXXX points.

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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation