vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear DISCOVER Card Dispute Department, This letter serves as a formal Cease and Desist request regarding your continued attempts to collect an alleged debt and your reporting of such debt to the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I demand that you immediately cease all forms of communication with me regarding this matter.

Unlawful Communication through Credit Reporting Please be advised that reporting negative information to credit bureaus constitutes a form of communication under the FDCPA. Since I am invoking my right to cease communication, any further reporting, updating, or re-reporting of this disputed account to any credit reporting agency will be considered a direct violation of federal law. 

Dispute of Alleged Debt I formally dispute the validity of this alleged debt and demand verification in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. If you can not provide sufficient documentation proving the validity of the debt, you must immediately remove any related negative reporting from my credit file.

Legal Consequences of Non-Compliance Failure to comply with this request will result in legal action, including but not limited to : - Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

- Seeking damages for violations of the FDCPA and FCRA. including statutory and actual damages, attorneys fees, and any other legal remedies available.

Final Notice You are hereby instructed to : 1. Cease all communication with me regarding this alleged debt, including credit reporting. 

2. Provide written verification of the alleged debt within 30 days or remove the negative reporting.

3. Confirm in writing that you have complied with this request.

If you fail to comply, I will pursue all legal remedies available to me. This letter serves as official notice, and a copy has been retained for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report XXXX XXXX XXXX Balance : {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report XXXX XXXX XXXX Balance : {$32000.00}

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 2025-03-21 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-21 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.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 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Andrews Law Firm, PLLC
State: KY

Complaint narrative:
XXXX XXXX has sent my loan to a debt collector which is Andrews law firm pllc. I have been involved with this company for a few years always worked with making payments even paid off and would continue to get called to come back in take out another loan. As always would catch me at a hard spot and I would resign another loan. I lost my job and couldnt make the payments which didnt get but 2 weeks behind and started receiving phone calls up to 10 times a day by the manager XXXX XXXX What did it for me is when she showed up at my house and sit in my driveway until I got home demanding me to pay money now or she was going to turn over. She harassed threatened me and I dont agree how I was treated. I am in debt more than I should be but I dont feel its fair to be treated that way by someone who knows as soon as you got another job they would have been paid. I got the collection letter on XXXX XXXX. The payments stopped on XX/XX/year> because I did not feel comfortable XXXX the manager calling 10 times a day and showing up at my house demanding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My XXXX XXXX was compromised and someone fraudulently used the XXXX XXXX to make XXXX XXXX purchases. This can be easily proven because its a delivery service. I did not use the service yet I received thousands in random charges. My Chase business debit card was linked so the money came from that account. Chase charged me over draft fees and would not investigate the fraudulent charges. 

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then later reported a charge back on the reservation. This is extremely dishonest yet Chase honored this charge back without investigation. My account is overdrawn again. I can not continue pay account charges to fix issues that are fraudulent. Ive been using my other account because the chase account is overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My loan was held by XXXX. They did not disclose all necessary information and as a result they have reported information that has been damaging to my credit score which has adversely affected where I live, many denied opportunities, and overall, the original loan was taken out based upon false advertising.

I also did was not properly notified of recertification of IDR. I did not recieve any notices about other options and as a result my credit score decreased and was reported late payments. I was denied jobs and also housing opportunities as a result of the deragatory remarks made by them failing to provide all necessary information. 

I was promised a " better life '' which includes a more stable and secure financial life. However, I have been denied many jobs including one from XXXX upon request to make a good faith effort to pay the loan. 

I surely have endured some hardships as a result of the student loans obtained, that were only obtained by way of false advertising practices. 

Obtaining a higher education degree by way of student loans does NOT guarantee a " better life '' as many educational institutions and bankers advertised. 

In fact, scientific research has shown, the higher the educational degree, coupled with student loans, the more induced stress related illnesses and greviances one maybe faced with.

The truth is, with God, life is better! 
Not the advertised " With a college degree, Life is better ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
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. 


Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-03-21 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: WA

Complaint narrative:
The company TRANSUNION is reporting an account on my credit report. I've sent an FTC report explaining what's happening. However, they've ignored my request. 
Today, I had a phone conversation with a Transunion employee who pretended to be a supervisor, her name is XXXX. 
I explained my request to her. However, all I heard from her were negative and aggressive things about me. And she mentions that the FTC is a non-legal document, when the Federal Trade Commission is a federal regulatory body. 
The truth is, I do NOT trust the TRANSUNION staff. My personal information is at risk. I say this because yesterday, XX/XX/year>, at XXXXXXXX XXXX I called Transunion to follow up on my request, and they transferred me to a supposed supervisor. So I told them on the call today and that person doesn't exist in the company.

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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I contacted CREDIT COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX To inform them that the collections that was previously paid off to the original company XXXX is constantly being updated to the current year. This will make it difficult to remove. I called XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX asking them to remove this collection that was paid and resolved with previous company off my report and stop updating it to be current to XXXX. I was told Id receive a letter in the mail within 10 days and I still havent received any letter clarifying that this debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MI

Complaint narrative:
Please refer to Initial complaint # XXXX - also note that in early XXXX, it will have been 60 days since this was logged, with no resolution from MOHELA. FSA complaint Feedback Case # XXXX has also been placed, as initial FSA cases provided no resolution. This new complaint is in a similar vein, as the problems persist and I am once again headed towards active repayment on a level plan. While I was granted a forbearance from MOHELA during the first part of XXXX, it was for yet another 60-day limited period, which then places me back into the complaints and escalation queue with this agency, MOHELA and the FSA. I have sent a message to MOHELA and received no reply or action, only an email notifying me that my next payment is due XX/XX/XXXXXXXX 

At this time I am requesting ( 1 ) forbearance status applied to my account ( MOHELA # XXXX ). The current forbearance expires on XX/XX/XXXX and payment is due 4 days after that. MOHELA indicated that forbearance would be applied to my account ( letter dated XX/XX/XXXX ) until IDR processing is complete, and they have not honored this ; and instead have placed limited periods of forbearance which then require multiple episodes of intervention by myself and multiple agencies. ( 2 ) I am over the XXXX payment requirement for forgiveness discharge of this loan, have been in an almost year-long delay in IDR processing ( applied XX/XX/XXXX ), and forbearances are but a temporary fix, my primary request is discharge of this loan and refund of all payments made over the XXXX, per the FSA outline below regarding the XXXX XXXX adjustment ( from studentaid.gov ) = -- -- -You reach the end of your repayment period. You will automatically receive loan forgiveness. 

-- -- -You have more than the number of months required in your repayment period. In most cases, youll receive a refund for any overpayment. Learn about refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have not heard anything from the company and when i send letters they would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account XXXX XXXX XXXXXXXX XXXX  with account # XXXX I looked at my Equifax credit report XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation and to properly notify the consumer of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not provide any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

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 systemic 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 2025-03-21 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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