vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I am writing to dispute the reporting of a closed late payment for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with a balance of {$0.00}, as it appears on my TransUnion, XXXX, and Equifax credit reports. This late payment entry has been a persistent source of frustration, significantly impacting my credit standing despite the account being closed with a XXXX balance. Given the accounts status, this late payment reporting seems not only unfair but potentially inaccurate, particularly if it was the result of administrative oversight or outdated information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all data reported to the credit bureaus must be complete and accurate, reflecting the true status of the account. Inaccurate or outdated information can severely affect my financial reputation, limiting my access to fair lending opportunities and imposing undue financial strain. 

Moreover, it is essential to highlight that recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns about the accuracy of data reporting, especially for Equifax, which has been cited for conducting inadequate investigations and failing to properly verify disputed items, as required by 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ). This adds further urgency to this dispute, as incorrect reporting not only undermines my financial stability but also compromises the integrity of my credit profile. Given the closed status of this account, this late payment entry should be corrected to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
These following accounts are fraudently reporting on my credit file. I want them to be blocked and removed from my credit report XXXX XXXX XXXX, Account XXXX, Date Opened XX/XX/XXXX Balance {$17000.00} ... XXXX XXXX, Account XXXX, Date opened XX/XX/XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Everything was fine I owed around XXXX XXXX dollars I paid & they closed my account.i Was With Them For About 10 Never Missed 1 Payment & In XXXX Of 2024 They Closed My Accounts After I Paid Them & They Have Ruined Me & My Credit.I Understand how credit works I borrow it and paid it back to use it again they never gave me a chance they just closed my accounts and have told me many different lies on why

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 2025-05-16 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:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-16 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I've aske XXXX, XXXX  and XXXX  to investigate false information that has been place on my credit reports. A collection agency using two names has place a collection against me. The firm Is Genesis XXXX XXXX and Columbia Debt recovery. I notified them to let them know the debt isn't mine. They have continued to charge monthly interest and haven't [ provided me with any documentation. The credit bureaus will not remove this from my fille. I have spoken with all parties involved on XX/XX/year>XXXX  on XX/XX/year>XXXX  and XX/XX/year>XXXX  and finally on XX/XX/year>. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX Account Ending : XXXX Loan Type : Auto Loan Status : Paid and Closed Late Payments Reported : 30120 days between XXXX XXXX XXXX Repossession Code : RPO ( XX/XX/year> ) Dispute Details : 1. Repossession ( RPO ) Is False The vehicle associated with this loan was not repossessed. I maintained communication with the lender, and although there were some missed payments, I ultimately regained possession of the vehicle and paid off the full balance. Therefore, the use of the RPO ( repossession ) code is inaccurate, misleading, and damaging to my credit profile.

_______ 2. Late Payments Should Be Corrected All remaining amounts were paid, and the account was closed with a {$0.00} balance. Under FCRA 1681s-2 and 1681i, furnishers of information are required to report data accurately and in context. Continuing to report this account as having up to 120 days late payments, and a repossession, after being paid off in full, is misleading and unverified.

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 2025-05-16 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: FL

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT. FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT. ADDITIONALLY UNAUTHORIZED INQUIRIES AND ADDRESSES HAVE BEEN REPORTED UNDER MY CREDIT PROFILE. I HAVE NEVER APPLIED FOR, USED NOR BENEFITTED FROM ANY OF THESE ACCOUNTS. THESE FRAUDULENT ACCOUNTS HAS CAUSED SIGNIFICANT FINANCIAL HARM AND DAMAGE TO MY CREDIT PROFILE. I AM REQUESTING THE IMMEDIATE REMOVAL, AND THE BLOCKING OF THESE FRAUDULENT ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES UNDER THE FCRA 605B. I HAVE ALSO ATTACHED MY IDENTITY VERIFICATION DOCUMENTS, AND A DETAILED DISPUTE LETTER OUTLINING EACH FRAUDULENT ITEM. I ASK THAT EQUIFAX COMPLY WITH FEDERAL LAW BY REMOVING THESE FRAUDULENT RECORDS AND ENSURING THEY ARE PERMANENTLY BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS : XXXX XXXX AND XXXX VARIOUS CREDIT CARD WERE PREVIOUSLY DELETE BY EQUIFAX AND REINSERTED WITHOUT ANY PROOF OR NOTIFICATION FROM EQUIFAX. BOTH ACCOUNTS ARE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: PA

Complaint narrative:
I am filing this complaint regarding the mishandling of my student financial account and associated aid at the XXXX XXXX XXXXXXXX. 

Despite completing my FAFSA and working with the XXXX  financial aid office, I received no meaningful follow-up or resolution regarding how my aid would apply to my balance. I made multiple documented attempts to communicate with both the Financial Aid Office ( email records available ), but was met with delays or no response. 

Despite this, my outstanding tuition balance was sent to collections even while I was actively trying to resolve the matter. This caused unnecessary financial stress and risked damage to my credit. The balance was later pulled back from collections after I complained, but no action has been taken since to help resolve the issue or explain next steps. 

Ive escalated this issue to several XXXX  offices including the XXXX, XXXX of XXXX, and XXXX, all with limited to no support. I believe this constitutes a failure in servicing a federally supported educational account and has negatively impacted my financial standing. 

I am requesting CFPBs help in ensuring the XXXX  XXXX XXXX or its agents are held accountable for poor loan/account servicing and that this situation is resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Espress makes Pre-approved loans without making inquiries on credit bureau. 
American Express touts Credit Monitoring thru Credit Service see their ad XXXX XXXX XXXXXXXX gives Valid reasons why one should have credit monitoring Amex claims they made a {$30000.00} loan to me or someone using my credentials IF Amex had made an Inquiry on the Credit Bureau a Credit Monitoring company would have notified me and the Fraudulent loan would not have been made Amex touts the use of Credit monitoring and likely gets a kick back for advertising but doesn't comply with doing what they preach and contributing to the Fraud and Scams taking place in the Financial Industry. They should be forced to protect their customers from Fraud by credit monitoring alerts- not contribute to the Fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the following account on my credit file : Creditor : XXXX XXXX XXXX Account Number : XXXX I previously submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this account. As a result of that complaint, XXXX XXXX XXXX responded on XX/XX/XXXX XXXX, stating that they had completed their investigation, closed the account in their office, and would be submitting a request to the credit reporting agencies to have the account removed from my credit report. 

I have attached a screenshot of their official response from the CFPB portal, which clearly confirms their intent to remove this item. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you promptly update my credit file and delete this account, as the furnisher has confirmed it should no longer be reported. 

Please confirm in writing when this account has been removed, and feel free to reach out if any further documentation is needed. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX Connecticut ] [ XX/XX/XXXX ] [ Last Four of SSN : XXXX ] [ Phone number : 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 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In early 2025, I was under active review for mortgage assistance with PHH Mortgage. On XXXX XXXX, 2025, they accepted a partial payment of {$350.00} toward my delinquent balance. I had previously submitted documentation for loss mitigation and was expecting a decision. 

Despite this, PHH foreclosed on my property and sold it at auction on XXXX XXXX, 2025. I never received a Notice of Default or any written denial of my loan workout request. I believe the foreclosure occurred while I was still under review a violation of federal servicing rules prohibiting dual tracking ( RESPA 12 CFR 1024.41 ).

To further support this, I have a mortgage statement from PHH showing a new monthly payment amount effective XXXX XXXX, 2025. This strongly implies that a loss mitigation review or adjustment was either approved or still in progress after the foreclosure sale date.

After the sale, the supposed new owner began contacting me directly and posting notices on my door threatening to inspect the property and seek court possession. The notice even listed the wrong property address. I still occupy the home and have not voluntarily vacated. These actions have caused extreme stress and may have violated my legal rights during the redemption period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan has been in forbearance since Covid and was approved under the XXXX plan. 

As of XX/XX/XXXX my Nel Net account showed that repayment would begin in XX/XX/XXXX. I knew I would struggle to make the payment amount so I submitted an application for Income Driven Repayment in XX/XX/XXXX. On XX/XX/XXXX I received communication that my IDR had been approved however it changed the date in which repayment were to begin, and my first payment amount was due in XXXX rather than XXXX. The following situation has come about as of XX/XX/XXXX in relation to my Nel Net payments : XXXX. As of XX/XX/XXXX - I had zero payments due until XX/XX/XXXX. 
2. In XXXX I would owe approximately $ XXXX based on my Nel Net account information XXXX. On XX/XX/XXXX I submitted a request for forbearance. Based on the application, if approved, my repayment would begin in XX/XX/XXXX. 
4. On XX/XX/XXXX I received an email from Nel Net that there was correspondence on my account, so I logged on to review the correspondence. 
5. As of XX/XX/XXXX my Nel Net account now says that I had a payment due on XX/XX/XXXX in the amount of XXXX ( which is different than the monthly payment amount that had been shown on XX/XX/XXXX ). 
6. As of XX/XX/XXXX my Nel Net account now says that I have a past due amount of {$4600.00}. 
7. There is no place on the Nel Net browser that shows where this {$4600.00} came from. No documentation about why I suddenly have a past due amount. No information at all. 
8. There are no statement documents provided to me since XX/XX/XXXX. 
9. I was provided forebearance for XXXX - XXXX Succinctly, my complaint is that Nel Net does has not provided me with adequate information to understand loan repayment, timelines, and has not been consistent with payment amounts. I am no longer able to properly plan for repayment based on Nel Nets egregious mishandling of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I sent a certified dispute letter to IC System on XX/XX/year>. It was delivered XX/XX/year>. I received no response and no validation. Despite that, IC System updated the tradeline on XX/XX/XXXX and again on XX/XX/XXXX. These updates were made during an open dispute, without providing documentation or validation to me, violating the Fair Credit Reporting Act ( FCRA 1681s2 ). This has negatively affected my credit during a crucial approval period.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Disputed this debt via XXXX that was completed and still not removed on XX/XX/year>. I have disputed this debt multiple times requesting debt validation and still has not received any proof that I owe this debt. This debt is said to be in the amount {$1000.00}. It has said that this debt has been verified, however, no information has been provided of how this debt was verified. No action has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
On XX/XX/year> I check my credit report and notice a decrease in my points due to a delinquent report being added from my student loans. I was not given prior notice to XXXX XXXX  delinquent status being on my credit report. Student loans were in forbearance and deferment during the time of delinquent status being in place. Nor was there a XXXX day prior to the XXXX XXXX late status.

Company response to consumer: Closed with explanation