vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of an account currently being reported on my credit file. I have reason to believe this account does not belong to me personally. After speaking with the company in question, I was informed that the account is associated with a business, where I may have been listed as a guarantor not as the primary individual account holder.

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information reported is accurate, verifiable, and pertains to the individual consumer. This business account does not meet those criteria, and therefore should not be reflected on my personal credit report.

Additionally, I have never signed a personal agreement with this company, and there was no notification or verification provided to justify its inclusion in my file.

I am requesting the immediate deletion of this account from my credit report, as it is inaccurately and improperly reported under my personal profile.

As supporting documentation, I have attached a signed FTC Identity Theft Affidavit for your review.

Thank you for your prompt attention to 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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They called my wife 's phone. They asked for myself like they were talking to a friend. Then when I didn't answer, the representative XXXX XXXX did the same with my wife. My wife asked who they were and why calling. The rep said they were on a recorded line never once said I can't release info you with out your husband 's consent and proceeded to release info. My wife said the rep released my social number, birthday, amount of the debt. My wife proceeded to tell her that she can't legally release that info because she's on the account. My wife thinks they did a skiptrace and found her number. This isn't the first time they called her either. My wife said the rep continued to argue with her and threatened her with legal action even though she's not on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-02 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 

I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request validation of this debt and your ability to collect this from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove all together. 

Please attach copies of the following documents 1. Agreement that you have the authority to collect on the alleged debt 2. Agreement that bears signature of the alleged debtor with promises to pay original creditor 3. Complete payment history on this account, to prove that the amount you wish to collect is correct. 


I hope your legal staff will agree that noncompliance with this request will result in a serious legal trouble for your company. 

Please help me remove this from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I receive XXXX  from the federal government every month. Which is deposited to my Navy Fed checking account. Which I usually have access to some of those funds XXXX before it deposits. Now on XX/XX/year> around XXXX I withdrew {$300.00} from my checking account, with my pending SSDI check in my account set to deposit on XX/XX/year>. The following day around XXXX Navy Fed charged me a {$20.00} overdraft fee. To which I tried to contact and dispute. Because of the pending deposit and also since they released my funds not only hrs after that useless overdraft. I tried to call and go into a Navy Fed back to fix this issue. I don't understand how they couldbe allowed to do this. Also when I brought up the fact my mobile app at that time wasn't even showing the approximate dates in which the withdraw happened. That representative couldn't answer how that was possible. Can someone please help me fix this issue with this credit union and their obvious malpractices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
The student loan payments for this loan were made in full. During the student loan forbearance period in XXXX, the loan payment was still being paid/taken out of my daughters bank account, resulting in her overpaying the loan amount. 

In XX/XX/XXXX, I spoke with Mohela and they said a check would be issued, for the amount overpaid, in 60-90 days. 

I spoke again with a representative from Mohela in XX/XX/XXXX, and was told a check was issued on XX/XX/XXXX for the amount of {$510.00}. 

Well past the 60-90 time frame in XX/XX/XXXX, I once again spoke with a representative from Mohela, after being on hold for almost XXXX hours. I was told again that a check was issued on XXXX and should be on the way. 

It is now XX/XX/XXXX and there has not been a check issued or electronic payment for the {$510.00} overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am trying to qualify for loan forgiveness via PSLF. From studentaid.gov website " Due to changes in PSLF regulation, you can now buy back certain months in your payment history to make them qualifying payments for PSLF. Specifically, you can buy back months that dont count as qualifying payments because you were in an ineligible to deferment or forbearance status ''. On XX/XX/XXXX, I submitted a request for PSLF buyback through PSLF reconsideration, as directed on the studentaid.gov website. I requested buyback for dates of XX/XX/XXXX - XX/XX/XXXX. I submitted to PSLF reconsideration I have at least 120 months of approved qualifying employment, and I am seeking PSLF or XXXX  discharge through PSLF buyback. Please assess my eligibility for PSLF buyback. 

Since, XX/XX/XXXX I have not had any communication or decision on my PSLF buyback request through PSLF reconsideration submission. On XX/XX/XXXX, I called Federal Student Aid to inquire about buyback request. I was told that it was still in review. I was told it had been escalated, but there was no decision on it and no further information available on it. 

I am requesting approval of my PSLF buyback request, as I have submitted the PSLF buyback request as instructed and I qualify for buyback, based on criteria provided by Federal Student Aid ( " You can buy back these months only if you still have an outstanding balance on your loan ( s ), you have approved qualifying employment for these same months, and buying back these months will complete your total of XXXX qualifying PSLF payments. ). Given I submitted PSLF reconsideration over 4 months ago, without any decision by Federal Student Aid, I am requesting assistance from CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am filing this complaint against Radius Global Solutions LLC regarding their attempts to collect a debt associated with XXXX XXXX ( account ending in XXXX ). Despite my request for debt validation, including but not limited to documentation of assignment or ownership of the debt, itemized account statements, and legal proof of their right to collect, Radius Global Solutions LLC has failed to comply. 
Additionally, I believe Radius Global Solutions LLC has violated the Gramm-Leach-Bliley Act ( GLBA ) under 15 USC 6801 and 15 USC 6802, which mandate the protection of my nonpublic personal information ( NPI ) and prohibit its misuse or disclosure without proper authorization. Given these obligations, I suspect my financial information may have been improperly handled or shared during this process, particularly in connection with a charged-off debt. 
Further, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. 2011 ), establishes the requirement for collectors to provide clear and complete documentation of their legal standing, which Radius Global Solutions LLC has not done. 
I respectfully request the CFPBs assistance in ensuring Radius Global Solutions LLC : 1. Produces proof of assignment or ownership of the debt, a signed original contract, itemized account statements, and an explanation of their legal right to collect this charged-off debt.

2. Demonstrates compliance with the privacy and safeguard provisions under GLBA, including ensuring that my financial information has been adequately protected and not improperly disclosed or mishandled. 
3. Ceases all collection activityincluding reporting to credit bureausuntil this matter is resolved. 
Please assist me in compelling Radius Global Solutions LLC to provide the necessary documentation or cease further collection efforts. 

Thank you...

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 2025-04-02 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$7800.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$100.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$75.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8600.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$97.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$44000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XX/XX/scrub>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 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint against Mr. Cooper regarding their mishandling of my escrow account and forced-placed insurance. Despite my compliance with all communicated requests, Mr. Cooper has failed to properly acknowledge my valid hazard insurance and has imposed unauthorized charges on my loan. Without my authorization an escrow charge has now been collected this month on my mortgage even though a resolution manager has yet to follow up with me as promised. 
Details of the Dispute : On XXXX XXXX XXXX, I contacted Mr. Coopers customer service after receiving an escrow review statement dated XX/XX/year>. I was informed that my hazard insurance was missing from their records, which was incorrect, as I had submitted updated insurance information twice : XX/XX/year> : My insurance provider, XXXX XXXX, faxed my updated policy to Mr. Cooper. 
XX/XX/year> : After receiving another request, I personally uploaded the policy to Mr. Coopers website During my call with customer service agent XXXX, I was transferred to the insurance/escrow department and was informed that my policy was rejected due to Electric Insurance financial rating which changed in XX/XX/year> due to divestiture from parent company XXXX which was unknown and never explicitly communicated to me by XXXX XXXX XXXX Mr Cooper. Mr Cooper mentioned sending me an email and letter on XX/XX/XXXX which I never received and in checking my email, found no such email existed. 
Furthermore, I was later informed that Mr. Cooper had purchased a force-placed insurance policy, backdated to XX/XX/year>, without notifying me. I was still receiving letters through XX/XX/year>, indicating I had time to provide my own insurance, meaning this backdated policy was imposed unfairly. 
Steps I Took to Resolve This Issue : XXXX. XXXX XXXX XXXX, who confirmed that their rating dropped to XXXX after XXXX XXXX in XX/XX/year>. This change was not communicated to me. XXXX XXXX informed me that they made decision to still provide insurance in NY so never communicated any changes to me. I first learned of this on phone call with Mr Coooper that I initiated in XXXX. The written notices do not state that my home insurance provider rating changed. They only communicated that they needed updated insurance which I provided twice and they never responded to receiving each time. 
XXXX. Obtained replacement quotes from XXXX and XXXX. 
XXXX. Spoke with multiple Mr. Cooper representatives, including XXXX in XXXX, who confirmed the forced-placed policy but did not offer a resolution. 
XXXX. Attempted to resolve the issue directly with Mr. Cooper, but they have refused to provide a reasonable resolution. The tickets I created had either no responses or ignored pertinent details I shared

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief