vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-04-17 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: NY

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to XXXX XXXX, they must be removed within XXXX  days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute the delinquency reporting on my Sallie Mae student loan. On XX/XX/XXXX, I received a letter from Sallie Mae stating that my deferment request had been declined due to the account already being in deferment. A subsequent letter dated XX/XX/XXXX, confirmed that I was, in fact, in an active deferment status. I verified this information with Sallie Mae representatives over the phone. As deferment typically lasts XXXX XXXX, I understood that repayment would begin in XX/XX/XXXX. In good faith, I self-enrolled into the XXXX XXXX XXXX on XX/XX/XXXX. Despite this, Sallie Mae has begun reporting late payments starting in XX/XX/XXXX on a loan they previously confirmed was in deferment at that time. I have offered to pay the current past due balance and remain in good standing moving forward. However, I respectfully request that the inaccurately reported late payments be removed, as I should not be penalized for delinquencies during a period Sallie Mae acknowledged as deferment. This reporting error has negatively impacted my credit through no fault of my own, and I request corrective action under the protections of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence.\n\nThe FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian cannot prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights.\n\nThe following dispute items are inaccurate and require urgent correction:\nPersonal Information (XXXX)\nAlso Known As: XXXX XXXX  XXXX  \nAlso Known As: XXXX XXXX XXXX  \nPrevious Address(es): XXXX  XXXX XXXX XXXX, CA XXXX XXXX  \nPrevious Address(es)XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  \nEmployers: 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 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
My original NOTE states in XXXX. Borrow 's Rights to PrePay.attached here. States that I have the right to Prepay on my principal in part or in full at any time during the loan. According the my chat, attached here, with Shellpoint they are and have been FRADULANTLY preventing me from exercising my Rights according to my NOTE. In a previous complaint : XXXX, they answered that according to Section XXXX, they had the right to do that. However, my Mortgage or Note do NOT have a Section 1. The Mortgage has a paragraph 1 and that states that if a payment is returned the servicing company has a right to ask me for cash, cashier 's check, bank check, electronic transfer, in order for me to make the payment.

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 2025-04-17 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has recently appeared on my credit report. The account is listed under Midland Credit Management , Inc. in the amount of {$1400.00}, and it was reported on XX/XX/year>. 

I would like to state that I have no knowledge of this debt and no prior dealings or communications with Midland Credit Management , Inc . I have never received a bill, notice, or validation of debt from this company, nor do I recall incurring any account with the alleged original creditor ( if any ). I believe this entry may have been reported in error or as a result of mistaken identity, and I am requesting that this account be fully investigated and removed if it can not be fully validated. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : That Midland Credit Management , Inc. provide full validation of the alleged debt, including a copy of any original agreement or documentation bearing my signature that substantiates the validity and ownership of this account. 

That the CFPB investigate this matter and ensure the reporting of this account complies with all federal regulations governing accurate credit reporting and debt collection practices. 

That, pending the outcome of this investigation, Midland Credit Management cease all collection activity and that the account be temporarily suppressed or marked as disputed on my credit file. 

Please keep me informed regarding the progress and resolution of this complaint. I am attaching a copy of my photo ID and a recent utility bill to verify my identity, along with a copy of the credit report showing the disputed entry. 

Thank you for your time and assistance in helping resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act by Experian. 

A fraudulent account that was previously removed from my credit report has been reinserted without written notice. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), Experian must notify me in writing within 5 business days when re-adding a previously deleted item. They failed to do so.

When I called to request removal, they refused and said I would need to wait 24 to 48 hours or file a new dispute. This violates my rights as a consumer, and I am requesting an investigation into this improper reinsertion.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was denied credit on the basis on PORTFOLIO RECOVERY violating my rights. They violated 1681s-2 ( b ) ( 1 ) by stating dispute resolved. They are in violation of my FCRA rights and punitive damages will be recovered under 15 USC 1681n ( 1 ) ( A ) damages can exceed {$100.00} - 1000 for each violation according to FCRA. They violated FDCPA by willfully and knowing put misleading information on my credit report.

I am requesting immediate deletion of this company off my credit report for violating FCRA & FDCPA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 2025-04-17 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had no idea these cards were opened in my name while with my ex partner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I wanted to adopt a cat on XXXX the lister XXXX XXXX told me to put down a {$70.00} deposit and then send a {$52.00} paperwork fee in total sending {$120.00} through Chime. It was originally through XXXX but it wouldnt work so she told me to send through her sister Chime account, XXXX XXXX. Yesterday she told me she couldnt go through with the transaction so she offered a refund. Ive tried multiple times to request said refund on Chime and it wont go through she has sense ignored my texts and wont respond or give me my money back. I reported the XXXX listing aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was in the recent data breech from XXXX from XXXX  and the Reporting agency failed to remove the inaccurate reports, I have also filed an FTC identity theft report and disputed the incorrect information with all 3 credit reporting agencies. I would like to have the items removed from my credit report due to it being inaccurate and it is affecting my credit negatively

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 2025-04-18 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: NY

Complaint narrative:
recently i pull up credit report i sow many incorrect report in my credit file and i requesting credit bureaus to remove all the negative items from my credit file but it still remain same i can't do anything bacause of my negative items.I request XXXX times in Experian, Transunion, Equifax bacause of the incorrrect report i can't apply for anything Now I am providing my account which has incorrect report. 
XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect= payment status : incorrect = date of last payment : incorrect XXXX  XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect = payment status : incorrect = date of last payment : incorrect capital XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payment status : incorrect payment status : incorrect XXXX account # XXXX account status : XXXX last reported : incorrect= date opend : incorrect =payme status : incorrect XXXX  account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect payment status : incorrect high credit : incorrect XXXX account # XXXX account status : incorrect= last reported : incorrect payment status : incorrect high credit : incorrect date last active incorrect last reported incorre XXXX accunt # XXXX account status : incorrect last reported : incorrect credit : incorrect date last active incorrect last reported incorrect XXXX XXXX # XXXX ccount status : incorrect= last reported : incorrect date opend : incorrect= payment status incorrect date of last payment incorrect XXXX XXXX account # XXXX ccount status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect This all are incorrect in my file more than years i can't do anything.

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I sent XXXX dollars through the app MoneyGram. The funds were withdrawn from my bank, yet the money never reached the recipient. Ive been communicating with MoneyGram for two days now and they always give me different reasons like they dont know, they sent it already, an app glitch ( since it shows on transit ) Today, I called the bank in XXXX XXXX the country I sent money to ) and they claim they never received the money. I contacted MoneyGram again, they said the same excuses but afterwards, they blocked my MoneyGram account without warning or explanation. I contacted them again and they claimed that they didnt recognize me even after giving my license and confirmedmy identity before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 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: CA

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 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
We have attempted to settle this debt on numerous occasions. On XX/XX/year> I called to settle, offered to get on a payment plan which XXXX XXXX agreed to. Once we moved forward, he asked for my employer information. When I asked why, he would not give me a reason and stated that he could no longer offer a payment plan and our only option was to pay in full. He then stated that if I do not pay the balance in full, he will inform the original creditor that I am " being uncooperative '' and will begin the process of filing a lawsuit against me. My wife and I called back later and requested to speak with someone else. Each person stated that XXXX had locked our account so that he was the only one that could access it, and that he would not send us over to someone else who could help us. Once we explained to him that we were uncomfortable working with him further as he had been very disrespectful to us and degrading, he stated that he would not unlock our online account either as it would " give us payment options '' that he did not want me to have. When my wife stated that she had been kind and was very disheartened by how we were being treated he stated " Oh did you think that being kind would get you a payment plan? '' When we asked why the payment plan was no longer an option he stated it was for his own personal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
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