vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy of a Caine Weiner collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Caine Weiner would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I was contacted by amsher collection services the person was very aggressive and rude to start with. This was in XXXX of XXXX I stated that this is not my debt I don't live in XXXX XXXX  nor have I ever lived there or close to there. I called XXXX XXXX and they told me that the account number the debt collector provided me with did not have my name or information on it and they did not understand why I was being contacted. I filed a dispute with the credit bureau and I have not received any documents in writing that I am responsible or implicated in this debt. And I will seek legal representation for the damage to my credit record

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
Im in ICR repayment plan. Mohela placed me in SAVE repayment plan forbearance. This is an inappropriate forbearance for a repayment plan Im not in. Despite hours on the phone in XXXX and XXXX I am unable to get off forbearance. Further, they did not add processing forbearance for 60-days onto my account from XXXX. Instead they placed me on the SAVE forbearance and my months do not count for PSLF. There is no accountability for any errors. These errors accumulate on my accounts and basically can never be fixed after months pass. Although in the moment are promised to be fixed. Examples include : 1.? Last year in XXXX of XXXX Mohela forced me to early recertify my income and was promised on FSAs website to revert back to my old payment amount - never did and payments doubled from ~ {$500.00} to {$1000.00} 2.?? 60-day processing forbearance never added to my account from the recent IBR application on XX/XX/XXXX until XX/XX/XXXX 4.? Account can not be returned to repayment status despite processing my ICR application. Back onto SAVE forbearance 5.? Inability to buyback prior months despite waiting 6+ months lady application on XX/XX/XXXX 6.? Missing months on ECF tracker/unable to get them updated or for them to count despite multiple ECFs We need actual advocacy. Servicer Complaints, advocacy groups, ombudsman, FSA complaints, supervisors, congressmen, letters to the white house all fall on deaf ears without any resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I sent a Qualified Written Request to Freedom Mortgage on XX/XX/XXXX asking for a simple yes or no answer to the following question : Does Freedom Mortgage have the written notice that XXXX XXXX sent to me for this loan in XXXX XXXX XXXX stating that they have cancelled the flood insurance requirement for this loan and that my property is not located within a XXXX XXXX XXXX is the originator of the loan and Freedom Mortgage took over servicing of the loan in XXXX. 

Instead of answering the specific question I asked, Freedom Mortgage sent me a copy of a different correspondence from XXXX. They did not answer my very specific question while asserting that they satisfied the requirement to answer the Qualified Written Request. Attached are copies of the Qualified Written Request and the response from Freedom Mortage.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am a amex customer for more than XXXX years with both personal and business cards. I spend {$40000.00} to {$60000.00} annual and has always pay the bills on time. XX/XX/year> I received notices that all my card accounts are closed without any warning. all the points/credit/benefits I have are forfeited. Plus I have to spend time to changes all the recurring payments and explaining to my customers. There is no more communication from them and I cant believe this is what I got from XXXX yrs of relationship. Also I feel they close my accounts because of my XXXX last name. Wonder if this has anything to do with the race. Please make sure others dont suffer from my mistakes and stay away from amex XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
Account XXXX XXXXXXXX ( XXXX XXXX ) account XXXX XXXXXXXX ( XXXX  XXXX ) account XXXX XXXXXXXX ( XXXX XXXX ) account XXXX  XXXX ( XXXX  XXXX XXXX ) And there could be more.. 
XXXX XXXX 15 U.S.C. 1681e - Fair Credit Reporting * * 15 U.S.C. 1681i - Fair Credit Reporting 15 USC 1681 5

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On the end of XXXX I contacted The XXXX XXXX with XXXX different addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX and XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Office numbers XXXX and XXXX. They stated I qualified for a XXXX XXXX with XXXX. They made a contract between us for the amount of {$34000.00} for their services and {$2500.00} for XXXX  immigration  fees. I sent them a deposit of {$1000.00} and I was set on a payment plan of XXXX XXXX monthly. I paid all XXXX fees because they said I needed to pay so the petitions can be sent. They have been charging my account fro. XXXX to XXXX of this year XXXX. All these years I never got a letter from XXXX saying any petition was sent. I decided to call and ask for a personal face to face meeting with the law firm and they stated they only did calls and that my case was advancing perfectly. End of XXXX I called and I stop all monthly payments with them but they continued. In XXXX I file for fraud with Federal Trades Commission, US Department of Justice XXXX, XXXX   XXXX XXXX, Consumer Protection State Attorney General and Online Police report with my local state. I went to my bank to get a new debit card. It worked at first but them they continued. I have requested a full report of all the transactions withdraws from my bank to submit to my cases. I need to know beside my bank where I have to go who I have to call or what I have to do to get my money back.

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 2025-05-12 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: TN

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: TN

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request a copy of my tenant screening report that may be on file with your agency. As I actively monitor and manage my rental history and credit standing, it is important for me to review the information being reported to ensure its accuracy and completeness.

Understanding what is reflected in my tenant screening report is crucial, especially as it can impact future housing opportunities. I am committed to maintaining a strong rental profile and want to address any discrepancies that may exist 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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at 15 U.S. Code 1681 et. seq., this creditor has violated my rights. 

Under 15 U.S. Code 1681 602 ( a ) 4, it is stated that I have the right to privacy. 

Furthermore, 15 U.S. Code 1681b 604 Sec. 2 also states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 U.S. Code 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX, I made an XXXX purchase for medical equipment while recovering from a life threatening illness. I used XXXX for the payment and later fell behind. XXXX charged off the account and stated they no longer accept payment. They transferred the debt first to XXXX XXXX XXXX and then to XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX confirmed in writing that they have ceased collection on the account. Despite this, XXXX continues to report the account monthly to Experian as a charge-off with a balance due, even though no party is collecting, and no payments are being accepted. 

This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which requires furnishers to report accurate and complete information. Continued monthly balance reporting on a charged-off account that has been transferred and is no longer being collected is inaccurate and misleading. According to XXXX XXXX credit reporting standards, this account should reflect a {$0.00} balance and show sold/closed, not ongoing delinquency. 

I have disputed the reporting with Experian multiple times, but they continue to verify the account based on Affirms ongoing updates. I can not pay XXXX, and no other party is collecting, yet I am penalized every month on my credit. Im requesting the CFPB to investigate this matter and require correction or deletion of the inaccurate tradeline.

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 2025-05-12 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: TX

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
My information was exposed in a data breach I want everything removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary 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 2025-05-12 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I believe these accounts are fraudulent and have no connection to them. I ask that they be removed from my credit record right away and that a thorough investigation be conducted. Supporting documentation is enclosed.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I thought that it is a rule banning most medical debts under {$500.00} ( my debt is around {$470.00} ) from appearing on credit reports, prohibiting lenders from using medical debt in lending decisions. The collection company that calls me very often is Louisiana Recovery, phone number XXXX. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
Receive hard injuries from XXXX XXXX never applied for card

Company response to consumer: Closed with explanation