vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I've already filed a complaint. They incorrectly responded with a very blatant automatic response. The " evidence '' they presented has numerous problems. I will re-submit my response to this as a new complaint here : I have reviewed Aidvantage 's response to my complaint XXXX, including the attached document XXXX XXXX XXXX XXXX 
While I acknowledge they received my XXXX  request XXXX their response remains inadequate and does not resolve my complaint for the following reasons : Failure to Respond Correctly to Debt Validation : While Aidvantage has now attached a document to this complaint response, they failed to provide any validation or response directly to my debt validation letter, sent via certified mail on XX/XX/year>, within the timeframe required by law. Improper Collection Activity : Despite receiving my validation request, Aidvantage continued collection activities by sending a bill statement dated XX/XX/year>. This action occurred after they received my validation letter but before providing the legally required validation in response to that letter. This appears to be a violation of the FDCPA, which requires ceasing collection attempts until validation is provided after a timely request. 
Inadequate Validation Document : The document provided with the complaint response was not sent in direct response to my formal validation letter as required. Furthermore, this document alone may not constitute sufficient validation, which typically requires a more detailed accounting of the debt. 
Failure to Address the Core Issue : Aidvantage 's response neglects to address the central issue : their failure to cease collection and provide timely validation in response to my original certified letter, and the potentially unlawful collection activity ( the XX/XX/XXXX bill ) that occurred as a result. Attaching a document later to a regulatory complaint does not retroactively cure the initial failure to comply with the FDCPA upon receiving the direct request. Therefore, their response is unacceptable. I reiterate my request that Aidvantage cease all collection activity until proper and complete validation of the debt is provided correctly according to legal requirements. I also request an investigation into the collection activities following my XX/XX/XXXX letter and the correction of any related negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I sent certified letter requesting debt validation for this account also proof of surety that they have right to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-08 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-08 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: DE

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We applied for the VASP program through the VA, all mortgage companies were notified of the cut off date, my mortgage company ShellPoint failed to upload all my documents by the cut off date. They uploaded on XX/XX/XXXX which now we dont qualify for the VASP program due to the negligence from ShellPoint.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Noticed deductions from my savings account from CONCORA CREDIT PAYMENT XXXX XXXX. Payments deducted on XX/XX/XXXX ( XXXX ), two on XX/XX/XXXX ( XXXX and XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). No idea what this is for as I do not have an account with CONCORA Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Commerce Home Mortgage, Inc
State: NJ

Complaint narrative:
Im reaching out to report a serious issue I experienced with a mortgage company based in XXXX XXXX ( Change XXXX  / Change Mortgage ). I applied for a refinance in XXXX XXXX, and after months of delays, miscommunication, and lack of response, I was toldwithout warningthat my application had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Ive been contacted about the XXXX in collections from XXXX. At the time i was impacted financially due to the XXXX hit. I contacted them in regards to closing out the account due to financial circumstances. Ive then been told it would go to collections and now its impacting my credit score and will continue if i dont pay. I get nonstop calls and texts about this payment from true accord

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$9900.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6700.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$690.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I am a victim of identity theft I recently pulled my credit report on XX/XX/XXXX and noticed information on credit report that doesn't belong to me. There's phone numbers, names, addresses, employers, accounts, and phone numbers on credit reports. I need help from credit reporting agencies to assist in not letting this happen in the future. Which is identity theft. Actions I took I filed a police report, I contacted Illinois states of attorneys office, I filed a report with the Federal Trade Commission, contacted my bank, and contacted Social Security. These are the accounts that are associated with identity theft. Please remove this information. I am a United States citizen and want to be treated fairly under the law. And not be affected by identity theft being reported on credit file. Fraudulent accounts excluding account numbers 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

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 2025-05-08 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 request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
COMPLAINT TO CFPB INACCURATE AND DAMAGING REPORTING IN VIOLATION OF FEDERAL LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX  To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT : CONTINUED REPORTING OF AN INACCURATE DEBT PAID BY INSURANCE VIOLATIONS OF FCRA, TILA, CARES ACT, AND CONSUMER PROTECTION LAWS Dear CFPB, I am filing this formal complaint regarding the inaccurate and harmful reporting of an account on my credit report that was resolved through payment by my insurance provider. Despite this, the account continues to be reported with delinquent status, which is both misleading and damaging to my financial standing. 

Account Information : Creditor : Bank Of America Account Number : XXXX Issue : Account reported as delinquent despite being fully paid by insurance. 

Status on Credit Report : Closed or paid account / XXXX balance Actual Status : Paid-in-full, no balance due from consumer VIOLATIONS OF CONSUMER PROTECTION LAWS Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : Consumer reporting agencies must maintain maximum possible accuracy. Continuing to report a paid account as delinquent violates this provision.

1681i ( a ) : Requires CRAs to reinvestigate disputed data and delete unverifiable or inaccurate information within 30 days. 

1681s-2 ( b ) : Furnishers must properly investigate disputes forwarded by CRAs and update or correct inaccurate reporting.

Truth in Lending Act ( TILA 15 U.S.C. 1601 et seq. ) : If any part of the debt originated from credit extended without proper disclosure or was settled outside of the original credit terms ( e.g., through third-party payment ), failure to reflect that in reporting may be a TILA violation.

CARES Act ( Coronavirus Aid, Relief, and Economic Security Act Public Law 116136 ) : Under 4021 of the CARES Act, furnishers must report accounts as current if accommodations ( such as insurance or hardship arrangements ) are in place during a covered period. Continuing to report as delinquent despite resolution may violate this.

Gramm-Leach-Bliley Act ( GLBA ) and Data Breach Notification Principles : If the original debt or inaccurate reporting stems from identity theft or data breach exposure, the furnisher may be in violation of federal obligations to protect consumer information and to correct data compromised by unauthorized access.

State-level Data Breach and Consumer Protection Laws ( if applicable ) : Most U.S. states require accurate, timely notification and correction when consumer data has been compromised or misused.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be clear : this complaint is valid. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm, and I urgently request that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-08 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: NY

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I am disputing several inaccurate and unverified charge-off entries being reported by TransUnion. These include XXXX ( XXXX ) with a charge-off date of XX/XX/XXXX, for {$1100.00} ; XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, for {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, for {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor {$930.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for {$1100.00} ; XXXX XXXX XXXXXXXX ) dated XXXX XXXX, XXXX, for {$1100.00} ; XXXX XXXX XXXX ) dated XX/XX/XXXX, for {$8700.00} ; SXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX XXXX for {$2400.00} ; XXXX XXXX XXXX  ) dated XX/XX/XXXX, for {$3800.00} ; XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, for {$4800.00} ; and XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, for {$9100.00}. The accuracy of these accounts is questionable, and their inclusion on my report without proper verification represents a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for TransUnion to report such damaging, outdated, and potentially compromised information without concrete evidence. This careless approach to credit reporting significantly harms my financial reputation and denies me fair access to credit.

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 2025-05-08 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: NY

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-05-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone has my personal information and is trying to open up fraudulent accounts. Ive notified the credit bureaus about this issue and I have not heard a response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief