vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there are some addresses that I do not recognize or ever resided in that are to be removed from my credit file as soon as possible. Below are the following addresses that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Lastly, I also noticed there are some inquires that I did not make nor recognize; please remove them from my credit report immediately! 

Company : XXXX Date : XXXX Company XXXX XXXX Date : XXXX Company : XXXX XXXX Date : XXXX Company XXXX XXXX XXXX Date : XXXX Company : XXXX  XXXX XXXX Date : XXXX Company : XXXX Date : XXXX Company : XXXX  Date : XXXX Company : XXXXXXXX XXXX Date : XXXX I have attached XXXX proof of Identification to confirm my identification as well as an affidavit from Identity theft,

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 2025-04-28 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My name is XXXX XXXX, and I am writing to seek assistance regarding a concerning issue with Ally Financial. My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MA XXXX. 

I had an agreement with Ally Financial to make monthly payments of {$300.00} toward a debt of {$3600.00}, which was originally {$6000.00} after they forgave XXXX percent of the total amount. The payment date was set for XX/XX/XXXX. However, when I called to make the payment, the representative informed me that the agreement had been canceled and my debt was sent to collections. The representative from Asset Recovery was unhelpful and stated that they were not obligated to inform me of any changes. 

I expressed my concerns, noting that I was prepared to make the payment as agreed and had received no written notification regarding the cancellation of our agreement. I was then told to deal with the collections agency. After this rude interaction, I called back and spoke to another representative with recovery of assets who stated that they would review the situation regarding the cancellation and transfer to collections. I was informed that I would hear back by the XXXX. However, when I called again, the automated system indicated that the debt had reverted to {$6000.00} in collections status. 

Prior to this agreement, I originally called in to request a forgiveness and pay for delete arrangement for the remaining balance. The original debt was {$30000.00}, and XXXX percent of that debt was covered by the sale of the vehicle. I understood that the agreement included a provision for pay for delete, meaning that once I fulfilled my payment obligations, there would be no negative remarks on my credit report. I believe they should honor that and delete the debt and negative remarks because I did not fail or cancel the final agreement but they did when they sold the remaining debt to collections after establishing an hardship agreement with me. 

Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing an account reporting under my name with Discover Bank. The account details are as follows : Account Number : XXXX ( partially masked for security ) Date Opened : XX/XX/XXXX Highest Balance : {$870.00} This account is the result of identity theft. I did not open or authorize this account, and I have no knowledge of this account until it appeared on my credit report. 

I contacted Discover Bank to report the fraudulent activity and requested a full investigation. As of XX/XX/XXXX, the account is still being reported and has not been removed. 

I am requesting that Discover Bank immediately investigate and close this fraudulent account, remove all associated information from my credit reports, cease any collection activity, and provide me with written confirmation that the account has been deleted due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

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 account listed without my expressed written consent.

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 2025-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Follow-Up CFPB Complaint Citizens Bank Complaint Against XXXX Citizens Bank Most Recent Response ID : XXXX Summary : This is a follow-up to my original complaint. Citizens Banks most recent response completely failed to address the specific issues I raised. Instead of responding to the substance of my complaint, they repeated general account information and sidestepped the legal violations I identified : They ignored the false bounced check accusation by XXXX, which was the basis for the wrongful charge-off. 

They ignored that the account was actively disputed when they applied the charge-off, violating FCRA guidelines XXXX 

They ignored their duty under FCRA and FERPA to furnish only accurate and fully verified information.

They ignored the damages caused to my credit and financial opportunities as a result of their negligent reporting. 

Citizens Bank failed to provide any legal justification for continuing to report a charge-off on a disputed and improperly handled account. 
Their failure to address these points confirms ongoing willful noncompliance with federal law. 

Requested Resolution : Immediate full deletion of the Citizens Bank account and charge-off from all credit reports.

{$5000.00} compensation for financial harm, credit denials, and emotional distress caused by their conduct. 

Next Steps If Not Corrected : If Citizens Bank refuses to resolve this matter properly, I will escalate to the Federal Trade Commission ( FTC ), state attorney general, and initiate a federal lawsuit for full damages under the Fair Credit Reporting Act and other applicable laws. 

Supporting Documents Attached : Citizens Banks most recent non-responsive reply. 

Settlement letter dated XX/XX/year>. 

Paid-in-full letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I attempted to dispute inaccurate information on my Experian credit report through their online dispute portal. However, the portal repeatedly fails to process my dispute after entering my last four digits of my SSN and phone number. The system either times out or returns an error message.

This technical failure prevents me from exercising my right under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information. I was forced to mail my dispute via certified mail to preserve my rights. I request that Experian immediately correct their online dispute system and ensure that I can access my consumer rights without obstruction.

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and the three major credit bureaus ( Experian, Equifax, and TransUnion ) for materially inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The XXXX XXXX account on my credit reports reflects inconsistent creditor names, conflicting payment histories ( 180 days late vs. 120 days late ), different dates of last activity, and inconsistent delinquency status reporting between the bureaus. Material errors like this directly impact credit scoring models and violate 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ) .These inaccuracies have severely damaged my credit profile, caused loss of credit opportunities, and inflicted emotional distress. I am requesting immediate and permanent deletion of the XXXX XXXX tradeline from all three bureaus, as well as a full investigation into the reporting errors. If not corrected, I intend to pursue damages for willful noncompliance under the FCRA.

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 2025-04-28 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: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and the three major credit bureaus ( Experian, Equifax, and TransUnion ) for materially inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The XXXX XXXX account on my credit reports reflects inconsistent creditor names, conflicting payment histories ( 180 days late vs. 120 days late ), different dates of last activity, and inconsistent delinquency status reporting between the bureaus. Material errors like this directly impact credit scoring models and violate 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ) .These inaccuracies have severely damaged my credit profile, caused loss of credit opportunities, and inflicted emotional distress. I am requesting immediate and permanent deletion of the XXXX XXXX tradeline from all three bureaus, as well as a full investigation into the reporting errors. If not corrected, I intend to pursue damages for willful noncompliance under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I opened a case with Paypal against a seller whom refused to allow me to return defective items received. Paypal is supposed to facilitate these disputes in a lawful manner- this is why we engage in the service they provide. I supplied photos of the defective items and even offered to send the items back if I was provided with a prepaid return label from the company that shipped the item. Paypal refused to enforce this requirement. Consumers do not pay for the return shipping of defective products received. That is illegal in California. When further pressed, this is what Paypal had to say " Thanks for the information. XXXX, I do understand that returning the item and shouldering the cost is not a good idea on your end. We would like to help, however as a payment processor, our dispute process and policy is inclined with your Financial law and we do not cover return shipping charges.

Ideally, the seller has the option to send you a label or pay for shipping the item back but that's something that we can't force them to do. While some merchants do help facilitate returns for their customers, that courtesy is not always extended to the buyer and is at the discretion of each individual merchant. '' Because of Paypal 's illegal actions, this company can keep my money for defective merchandise they sold me, unless I want to spend more money on returning said item with the hopes of a refund ( though not guaranteed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: DE

Complaint narrative:
I am experiencing ongoing issues with Mohela 's handling of my loans. Most recently, I discovered that Loan 14, which I have already paid off in full, is incorrectly showing as requiring over {$2000.00} in remaining payments. I have documentation confirming the loan was fully paid. Additionally, I noticed over {$3000.00} in payments is missing from my payment history, suggesting that some payments were not properly applied. This discrepancy has created confusion, as I believed the loan was completely settled.

I am also concerned because, despite repeatedly instructing Mohela that my payments should be applied specifically to pay off this loan in full, it appears that payments were instead applied to interest on the account as a whole, rather than reducing the principal as requested. This gives me reason to believe that Mohela might continue to show unpaid balances for loans I have already settled, causing unnecessary XXXX  about additional amounts I might owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
This is my 3rd time trying to reach someone who can explain the balance kn my account after talking to the last person from the last complaint I found new info there are transactions in one account when it should have posted to another there system is wrong and needs worked on or something they are saying the money I get is credited to my account and when I move money apparently it adds more money than what you have but you can't use it tho but it will act like you used it and over draw your account don't use bank of America unless you want them talking the little money you earn

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 2025-04-28 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received phone calls trying to collect a debt on a recorded line. They will not provide any information.

Company response to consumer: Closed with explanation