vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Student loans previously serviced by XXXX, convicted in predatory lending lawsuit with the CFPB. I was informed my accounts were closed as a result and that funds were being allocated at the state level as restitution to borrowers. I have not attended school since 2010, and I had a XXXX XXXX of XXXX prior to this week... when Aidvantage reported default on student loan accounts that have been stagnant for nearly a decade, to all XXXX credit reporting agencies. Notices were apparently sent to my old email address no longer in use. I did receive a robotic phone call a couple weeks ago, but it sounded like a scam! 

Upon discovery of these unpaid balances, and without question or research as to their validity, I paid ALL balances IN FULL... to the tune of {$7800.00} ( 5 accounts in total ). Upon requesting a retraction of this reporting, Aidvantage Support has told me that my only recourse is to take it up with the Federal Student Aid or the credit bureaus themselves. My credit has always been stellar ; this is completely unfair and a total misrepresentation of me as a borrower. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: RI

Complaint narrative:
Dear LJ ROSS and Associates XXXX XXXX - Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history. 
Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I made two transactions of {$1000.00} and {$260.00} they CashApp on XX/XX/XXXX and XX/XX/XXXX. CashApp cancelled both transactions without giving any reason. When I reached out to CashApp support, they said the money {$1200.00} was refunded to my bank ( XXXX XXXX ) account on XXXX XXXX but I never received the money until today. Its already been more than 3 weeks. My bank did not receive the refunded amount. I keep calling CashApp support but they are saying same thing that the money was refunded. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Due to the data breach committed by DOGE and the confusion around the program I would fall under, I am complaining. I have a permanently XXXX son who has high medical bills. My husband has been out of work for a while up until very recently. My other son is in high school and we have no idea how we will pay for college for him. My career as a therapist is ran by the corrupt insurance panels that sometimes choose to not pay me for my services due to rigid billing expectations. I am complaining about the cost and the data breach of my loans and information. 

XXXX 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 2025-04-09 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: GA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-09 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX XXXX XXXX XXXX XXXXccount Number : XXXX - Balance & Past Due : {$0.00} XXXX  - Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00XXXX XXXX  - Account Number : XXXX - Balance & Past Due : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal and urgent complaint that requires your immediate attention. My credit report contains inaccurate and misleading information that clearly fails to meet the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act. These errors are having a severe and ongoing impact on my personal and financial well-being. I am demanding a full re-investigation without delay, and any unverifiable or incorrect entries must be corrected or permanently removed. This is not a request, it is a critical obligation that must be fulfilled immediately.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 non-monetary relief
Consumer complaint received 2025-04-09 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: T.S. Holdings
State: GA

Complaint narrative:
IQ Data International is supplying incorrect information to my consumer reports. They have not provided any verification of the alleged debt or validation. They have not supplied any contracts with my wet ink signature. They also did not receive consent to report any information on my consumer reports. They are willfully violating my consumer rights as per the FCRA, FDCPA and The Privacy Act of 1974. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In my credit report on WFBNA Card is 30 days late the account number is 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 2025-04-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Dispute of Collection Account for Apartment Trails at XXXX XXXX Account Number : [ Insert Account Number if available ] Date Reported : XX/XX/XXXX Balance Owed : {$970.00} Date Assigned : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above, which has been reported on my credit report by your agency, XXXX XXXX XXXX XXXX The information associated with this account may be inaccurate, and I am requesting an immediate investigation and verification of this debt under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies and debt collectors are required to maintain reasonable procedures to ensure the accuracy of the information provided on my credit report. It is my belief that this collection account is either inaccurate or reported incorrectly. 

I request that you provide the following documentation to verify this debt : Proof that this debt belongs to me, including any signed agreements or contracts ; An itemized statement of the original debt amount, including any interest or fees ; Documentation showing the exact date of the original charge, the date of first delinquency, and any relevant payments made ; Verification from the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, to confirm the account details. 
Additionally, under 15 U.S.C. 1681g, I am requesting a full disclosure of all information related to this collection account. I have the right to review all data impacting my credit report, and this information should be provided to me. 
I request that you complete the investigation within the 30-day period as required by law. If you can not provide sufficient documentation to verify this debt, I ask that you immediately remove this account from my credit report, as per 15 U.S.C. 1681i. 

Please send your response and any relevant documentation to the address provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because there are multiple hard inquiries appearing on my credit report that I did not authorize or consent to : XXXX ( Date of Inquiry XXXX XXXX XXXX ( Date of Inquiry XXXX ). I have already disputed these inquiries directly with the credit bureaus, yet they remain. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with a consumer 's express authorization and for a permissible purpose. These inquiries were made without my knowledge, without any written consent, and without any legitimate reason. Their continued presence on my report is a direct violation of my rights under federal law and has negatively impacted my credit standing. I am demanding that these unauthorized inquiries be immediately removed from my credit file and that the entities responsible for placing them be held accountable for violating my consumer rights.

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 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX I received my new escrow analysis from Phh Mortgage and they estimated my taxes to be {$10000.00} which is an increase of almost double from XXXX  which was {$5600.00}. Which in turn raised my monthly payment a little over {$500.00} a month. 

XXXX I called customer service to understand better how they came to this number because I have a homestead exemption in place and in Texas it should be impossible for my taxes to double year over year. They assured me they would look into it and for me to send receipts of my previous years taxes and proof of my exemption. 

XXXX I emailed poof of my exemption and Tax receipts. 

XXXX I followed up on my previous inquiry and spoke with an escalation manager. The manager assured me she would look into the matter personally and asked I send her the documents I sent in previously. 

XXXX I called in to speak with the escalation team to check on their progress and they hadn't figured out the problem and provided no solutions. I let them know I would follow up in a few days. 

XXXX I called in again requesting progress reports and the escalation manager told me they got their estimations from a representative with the county. I told them that's impossible my county doesn't release tax information until XXXX. 

XXXX I called to confer with my county to see if they had sent over valuations or tax estimates to my mortgage company. They had no communication at all with my mortgage company. 

XXXX I called phh mortgage back and walked them through my conversation with the county and the assured me they would look into it. 

XXXX I called my counties office and they were able to send me a document that has a tax estimate from the county on what they expect my taxes to be. 

XXXX I called my mortgage company and emailed them the document my county gave to me. The representative said they are working on it and they would see what they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-04-09 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 USC 1681-I ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : List any specific inaccuracies, such as incorrect account balances, incorrect payment history, outdated information, etc. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ) which requires the accurate reporting of consumer information. 

I am requesting that you investigate these discrepancies and provide me with a written explanation of the results of your investigation in accordance with the FCRA guidelines. I also request the removal of the inaccurate information from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. **Documentation that verifies the debt** : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. **Detailed accounting of the debt** : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. **Verification that your company is legally entitled** to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, XXXX, and XXXX ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

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