vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX, regarding my recent inquiry to the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of my account. 
After reviewing your response and the supporting documents, I respectfully disagree with your findings for the following reasons : 1. Dispute of Past Due Reporting : You stated that my account was reported as 30 days past due on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although I was enrolled in the Financial Relief Program ( FRP ) on XX/XX/XXXXXXXX XXXX However, the reporting methodology used does not accurately reflect the agreements and protections typically afforded to customers under hardship or relief programs. I was led to believe that upon enrollment, the reporting status would be adjusted in good faith to reflect participation in the program, mitigating derogatory reporting. 
2. Request for Goodwill Adjustment : Given that I proactively enrolled in your Financial Relief Program and have made consistent efforts to honor my obligations, I respectfully request a goodwill adjustment to remove the 30-day late mark from my credit file. The circumstances leading to the enrollment were beyond my control, and I have since demonstrated my commitment by maintaining a satisfactory account status as of XX/XX/XXXX XXXX 
3. Credit Reporting Fairness and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to expect the most accurate and complete information reported. Considering my engagement with your hardship program and my subsequent payment behavior, I believe maintaining a derogatory mark does not accurately reflect the positive direction of my account. 
Therefore, I am respectfully requesting that XXXX XXXX reconsider and remove the 30-day late reporting from my credit reports with all three major credit bureaus ( Experian, XXXX XXXX XXXX ) as a gesture of goodwill and acknowledgment of my continued effort to meet my obligations. 
Please confirm receipt of this letter and inform me of your decision. I appreciate your time and reconsideration of my request.

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 2025-05-14 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX, regarding my recent inquiry to the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of my account. 
After reviewing your response and the supporting documents, I respectfully disagree with your findings for the following reasons : 1. Dispute of Past Due Reporting : You stated that my account was reported as 30 days past due on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although I was enrolled in the Financial Relief Program ( FRP ) on XX/XX/XXXX. However, the reporting methodology used does not accurately reflect the agreements and protections typically afforded to customers under hardship or relief programs. I was led to believe that upon enrollment, the reporting status would be adjusted in good faith to reflect participation in the program, mitigating derogatory reporting. 
2. Request for Goodwill Adjustment : Given that I proactively enrolled in your Financial Relief Program and have made consistent efforts to honor my obligations, I respectfully request a goodwill adjustment to remove the 30-day late mark from my credit file. The circumstances leading to the enrollment were beyond my control, and I have since demonstrated my commitment by maintaining a satisfactory account status as of XX/XX/XXXX XXXX 
3. Credit Reporting Fairness and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to expect the most accurate and complete information reported. Considering my engagement with your hardship program and my subsequent payment behavior, I believe maintaining a derogatory mark does not accurately reflect the positive direction of my account. 
Therefore, I am respectfully requesting that XXXX XXXX reconsider and remove the 30-day late reporting from my credit reports with all three major credit bureaus ( XXXX, Equifax, and XXXX XXXX  as a gesture of goodwill and acknowledgment of my continued effort to meet my obligations. 
Please confirm receipt of this letter and inform me of your decision. I appreciate your time and reconsideration of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXXXXXX XXXX regarding my recent inquiry to the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of my account. 
After reviewing your response and the supporting documents, I respectfully disagree with your findings for the following reasons : 1. Dispute of Past Due Reporting : You stated that my account was reported as 30 days past due on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although I was enrolled in the Financial Relief Program ( FRP ) on XX/XX/XXXX. However, the reporting methodology used does not accurately reflect the agreements and protections typically afforded to customers under hardship or relief programs. I was led to believe that upon enrollment, the reporting status would be adjusted in good faith to reflect participation in the program, mitigating derogatory reporting. 
2. Request for Goodwill Adjustment : Given that I proactively enrolled in your Financial Relief Program and have made consistent efforts to honor my obligations, I respectfully request a goodwill adjustment to remove the 30-day late mark from my credit file. The circumstances leading to the enrollment were beyond my control, and I have since demonstrated my commitment by maintaining a satisfactory account status as of XX/XX/XXXX. 
3. Credit Reporting Fairness and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to expect the most accurate and complete information reported. Considering my engagement with your hardship program and my subsequent payment behavior, I believe maintaining a derogatory mark does not accurately reflect the positive direction of my account. 
Therefore, I am respectfully requesting that XXXX XXXX reconsider and remove the 30-day late reporting from my credit reports with all three major credit bureaus ( XXXX XXXX and TransUnion ) as a gesture of goodwill and acknowledgment of my continued effort to meet my obligations. 
Please confirm receipt of this letter and inform me of your decision. I appreciate your time and reconsideration of my request.

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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Details of the Complaint : Before proceeding with a mortgage, I decided to make a XXXX  % down payment based on the home purchase price of {$470000.00}. After that, I applied for a mortgage through XXXX XXXX. The closing date was agreed upon by both the buyer and seller as XX/XX/XXXX, which provided approximately XXXX month to complete the mortgage process. 

On XX/XX/XXXX, I received the appraisal report from XXXX Mortgage. The appraised value was {$35000.00} less than the purchase price, meaning my original XXXX XXXX down payment no longer met the XXXX XXXX  loan-to-value ( XXXX ) requirement. Due to time constraintsonly XXXX  days left before the agreed-upon closing dateI was unable to secure the additional {$35000.00}. As a result, I was required to accept Private Mortgage Insurance ( PMI ), amounting to {$190.00} per month. 

At that time, I was clearly informed by XXXX XXXX  that PMI would be removed once my loan balance reached 80 % or less of the homes appraised value. 

I proceeded to close on the mortgage on XX/XX/XXXX, and the loan was later transferred to Freedom Mortgage on XX/XX/XXXX. 

In XX/XX/XXXX, I contacted Freedom Mortgage and asked how much I would need to pay in order to remove PMI. A customer service representative informed me that once my loan balance reached XXXX XXXX XXXXXXXX, PMI could be cancelled. I was told the specific amount needed was {$24000.00}, which I paid on XX/XX/XXXX. However, despite making this payment, PMI was still charged for XX/XX/XXXX. 

On XX/XX/XXXX, I called Freedom Mortgage again to inquire why PMI had not been removed. A representative told me that, regardless of my loan balance, PMI can not be cancelled until XXXX years from the original mortgage closing date ( i.e., until XX/XX/XXXX ). This was never communicated to me before. 

When I contacted XXXX XXXX, they referred me back to Freedom Mortgage, stating they no longer service the loan and can not provide further assistance. 

The reasons of complaining are, XXXX ) I didn't inform that i will have to pay PMI for XXXX years after the closing date at time of buying the Mortage. 
XXXX ) XXXX XXXX didn't inform me in XX/XX/XXXX when i call them for asking the amount to remove PMI and on top of that they gave me the amount about $ XXXX to pay, If this is the case then Why i would pay them in advance? 

It looks like XXXX compnies doesn't want debt free Americans and hiding the important information to get the money as a interest from the consumers. 

Please help in this metter to avoid extra paymnet than it supposed to be. 

Weating for the favorable reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
To Whom It May Concern, Thank you for your response dated XX/XX/year>, regarding my continued concerns with the above-referenced account. 

I acknowledge receipt of the previous responses you have included ; however, I must clarify that this most recent correspondence is not a reiteration of prior complaints. This letter is to formally dispute unauthorized transactions totaling {$2000.00} that I believe were fraudulently made on my account. I am not requesting a goodwill adjustment or change to accurate reportingI am disputing fraudulent activity that has not been addressed in your prior responses. 

Despite your assertion that no prior dispute of specific transactions has been received, I am now submitting this formal written dispute and request for investigation per the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

Please consider this letter my official request for : XXXX. A complete investigation into the {$2000.00} in disputed transactions, the details of which I will outline and send separately as requested. 
XXXX. Cessation of negative credit reporting until the conclusion of the investigation, as is required when a valid dispute is initiated. 
XXXX. A written explanation of your findings after the investigation, along with any supporting evidence used in making your determination. 

You are further reminded that federal law requires Discover to investigate consumer billing disputes within XXXX billing cycles ( but not more than 90 days ) of receipt. 

I will submit a follow-up letter detailing each disputed transaction as requested to the XXXX XXXX XXXX address you provided.

Please note that a failure to reasonably investigate or correct any inaccurate reporting may result in further action through the CFPB and other appropriate avenues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EdFinancial Services
State: MD

Complaint narrative:
I am gathering all the data so I still have more to document. However, I have called XXXX times about this issue. Today is the most recent time. I am XXXX and I have a XXXX in XXXX and XXXX  in XXXX. I understand loans. I understand interest. I understand deferment. I was hoping to get ahead of these loans so I have paid more than I needed so I would get ahead. Examples are : XX/XX/XXXX I paid {$930.00}. On XX/XX/XXXX I paid {$460.00}. On XX/XX/XXXX I paid {$460.00}. On XX/XX/XXXX I paid {$200.00}. On XX/XX/XXXX I paid {$340.00}. I paid during the pandemic so I would get ahead. even though we didn't have to. None of that shows up on their statement online. 

I will gather all the details. I have to go through all my bank records and my emails and print everything. But essentially when they switched to new computer system they wiped out all my prior payments and repeated complaints by phone do nothing. i work at the XXXX XXXX so I will also be bringing all my documentation to my Congress Representative. This is egregious. I do not owe XXXX XXXX  of loans as stated in their false online statement. Can I attach my research documents at a later date?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding three collection accounts reported by Midland Credit Management and three associated charge-off accounts reported by XXXXXXXX XXXX  XXXX These accounts are harming my credit profile due to inaccurate reporting, duplicate derogatory listings, possible re-aging, and failure to validate disputed debts. 

Accounts Involved Midland Credit Management ( Collections ) Account # : XXXX | Balance : {$560.00} | Original Creditor : XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Account # : XXXX | Balance : {$1500.00} | Original Creditor : XXXX XXXXXXXX XXXX | Opened : XX/XX/XXXX Account # : XXXX | Balance : {$450.00} | Original Creditor : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Charge-Offs XXXX XXXX XXXX  | Acct Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Acct Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Acct Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX XXXX Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} Violations : 1. Duplicate Reporting ( FCRA 623, XXXX XXXX Guidelines ) XXXX charged off the debts and shows {$0.00} balances. 
Midland reports the same debts again as open collections with full balances. 
This creates double damage on my credit for a single account. 
2. Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) Midland lists the accounts as opened in XX/XX/XXXX, but the original debts went delinquent in XXXX. 
Reporting newer open dates extends the 7-year reporting timeline illegally.

3. Failure to Validate Debt ( FDCPA 809 ( b ) ) All 3 Midland accounts were previously disputed, as noted in XXXX.

Despite this, no validation ( contract, ownership, itemization ) has been provided. 
Continued reporting without validation is unlawful. 
4. Incomplete Reporting by XXXX  ( FCRA 623 ( a ) ) The XXXX charge-offs fail to list who the debts were sold to, despite stating they were purchased by another lender. 
This is incomplete and misleading data. 
5. Furnisher Inconsistencies The XXXX charge-offs all occurred in XXXX, but last payments were made in XXXX. 
This suggests intentional delay in charge-off reporting, which negatively impacts the age of the derogatory mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding three collection accounts reported by XXXX XXXX XXXX and three associated charge-off accounts reported by Comenity Bank . These accounts are harming my credit profile due to inaccurate reporting, duplicate derogatory listings, possible re-aging, and failure to validate disputed debts. 

Accounts Involved XXXX XXXX XXXX ( Collections ) Account # : XXXX | Balance : {$560.00} | Original Creditor : Comenity Capital Bank | Opened : XX/XX/XXXX Account # : XXXX | Balance : {$1500.00} | Original Creditor : Comenity Capital Bank | Opened : XX/XX/XXXX Account # : XXXX | Balance : {$450.00} | Original Creditor : Comenity Bank | Opened : XX/XX/XXXX Comenity Bank ( Charge-Offs ) Comenity/XXXX XXXX  | Acct Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} ComenityXXXX | Acct Opened : XX/XX/XXXX XXXX Last Payment : XX/XX/XXXX | Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} Comenity/XXXX | Acct Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX XXXX Charge-Off Date : XX/XX/XXXX | Balance : {$0.00} Violations : 1. Duplicate Reporting ( FCRA 623, XXXX XXXX Guidelines ) Comenity charged off the debts and shows {$0.00} balances. 
XXXX reports the same debts again as open collections with full balances. 
This creates double damage on my credit for a single account. 
2. Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) XXXX lists the accounts as opened in XX/XX/XXXX, but the original debts went delinquent in XXXX. 
Reporting newer open dates extends the 7-year reporting timeline illegally.

3. Failure to Validate Debt ( FDCPA 809 ( b ) ) All 3 XXXX accounts were previously disputed, as noted in XXXX 
Despite this, no validation ( contract, ownership, itemization ) has been provided. 
Continued reporting without validation is unlawful. 
4. Incomplete Reporting by Comenity ( FCRA 623 ( a ) ) The Comenity charge-offs fail to list who the debts were sold to, despite stating they were purchased by another lender. 
This is incomplete and misleading data. 
5. Furnisher Inconsistencies The Comenity charge-offs all occurred in XXXX, but last payments were made in XXXX. 
This suggests intentional delay in charge-off reporting, which negatively impacts the age of the derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OR

Complaint narrative:
Currently I'm unemployed, I applied for student loan at Sallie Mae for my graduate course ( for 6mons. ) back in 2023. I called them if I can apply for postponement of payment. They said the only option I have is graduate repayment program ( interest only {$100.00} ) for 1 year. I agreed to it since that's the only option I have. For few months I was not making a payment and it affected my credit score ( from very good to poor ), I was force to make a payment for 3 mons. using my credit card, but since I already maxed out my card I called them again for postponement of payment, the person I talked to, he said I need to opt out in the repayment program for me to request for forbearance. He explained to me that once I opt out I can not request for that program again, but he did not explain to be further I need to make 12 consecutive months of payment so I can qualify for forbearance since they can view my payment history. Now I have to pay my basic monthly payment of {$150.00}. I called them again if I can to back to my previous repayment program and they are adamant that they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation.The fraudulent accounts include XXXX XXXX -secured loan- opened in XXXX and XXXX XXXX -secured loan- opened in XXXX. Additionally, there are several unauthorized inquiries on my credit report : XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, and XXXX XXXX inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation.The fraudulent accounts include XXXX XXXX -secured loan- opened in XXXX and XXXX XXXX -secured loan- opened in XXXX. Additionally, there are several unauthorized inquiries on my credit report : XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, and XXXX XXXX inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief