vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: VA

Complaint narrative:
I owed XXXX energy XXXX $ for an old account. When I moved to my new address I had to pay off that balance to start a new account with dominion. I did pay it off. XXXX energy states it has been paid off when I call customer service. L J Ross Associates repeatedly told me that XXXX XXXX said it was not paid off. Ross repeatedly calls me, harassing me over a debt I paid off over a year ago. Ross associates customer service representatives are insufferable and do not try to help. I spent XXXX hours in total going back and forth with dominion energy and XXXX. XXXX XXXX said today they would compose a letter to send to Ross. This debt has repeatedly taken down my credit score when it has been paid off for over a year. Im getting repeatedly bothered by Ross.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
On XX/XX/year>, My student loans were forgiven and I was notified I would be reimbursed for overpayments I had made between XXXX and XXXX ( that MOHELA advised me to make ) in the amount of {$10000.00}. I have made monthly calls to MOHELA for updates on this refund and have received contrary and information from their customer service. I was told they had XXXX business days to return the money ( XXXX XXXX ) and that they had sent the payment notice to treasury but that nothing had been done. I have requested follow up emails and calls back, but none have came. At this point I have caught them repeatedly lying to me over the phone about the actions they have taken to refund me my money.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/2025 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX To Whom it 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 owed debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach agreement you have authority to collect, agreement that bears signature of debtor, complete payment history to prove amount. I hope your staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was going to open up a Chase account but they said I cant open accounts for XXXX I never use XXXX in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-10 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 was a victim of XXXX XXXX There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 2025

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 2025-09-10 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: CA

Complaint narrative:
You are hereby required to remove the listed accounts within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX, NC XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear XXXX Credit Bureau XXXX XXXX I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : JPMCB AUTO XXXX XXXX XXXX XXXX XXXX LA XXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to disclose current amount of escrow surplus for XXXX XXXX XXXX XXXX MI XXXX I demand a respond from the real human not from unregulated Artificial Intelligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JP Morgan Chase has added me to my husband 's mortgage without my knowledge or consent. This has come up during a modification/ foreclosure process and they have admitted guilt but will not remove my obligations and is causing issues with completing the process. Very similar to the XXXX XXXX situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX and XX/XX/XXXX are both on XXXX and the creditor keeps selling the account information and attempting restart the clock. I have attached my statement regarding our situation. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I let the car go because I couldn't afford the payments after my son was diagnosed with aXX/XX/XXXX I volunteerly let them.come take the car. They sold the car I was never given the information on how much they sold the car for. Or that the car was sold at all. I have a debt on my credit for them and thats it. I asked them for the information they have yet to send me details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX approved coverage for 60 sessions of physical therapy services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to a motor vehicle collision ; I did not receive or utilize the full approved number of 60 sessions. On XX/XX/XXXX, the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, issued a billing statement showing {$0.00} owed for all physical therapy services rendered during the billing period. This statement confirmed active medical insurance and that no patient balance was due. Despite this, Medical Data Systems , Inc. reported and is furnishing a collection account for {$1700.00} to XX/XX/XXXX and XX/XX/XXXX, falsely claiming I owe this balance. This reporting is false, misleading, and unlawful for the following reasons : FDCPA ( 15 U.S.C. 1692e & 1692f ( 1 ) ) False representation of the character and amount of the debt, and collection of amounts not expressly authorized ; FCRA ( 15 U.S.C. 1681s-2 ( a ) & 1681i ) Furnishing and re-reporting information known or reasonably knowable to be inaccurate after consumer dispute ; Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ( a ) ) Deceptive and unfair business practice ; and CFPB Medical Debt Rule ( Regulation V, XX/XX/XXXX ) Medical debt submitted to insurance can not be reported to consumer reporting agencies unless verified as patient responsibility. Here, no documented notice was provided for insurance coverage termination by the provider or that I would be expected to self-pay. Retroactively billing for unpaid services after care was performed without prior disclosure does not constitute verification of patient responsibility and violates Regulation V. I previously disputed this account directly with Medical Data Systems , Inc, and soon after withXX/XX/XXXXand XX/XX/XXXXwhere the XX/XX/XXXX {$0.00} statement was submitted as evidence. Despite this, the account was verified as " accurate/updated and continues to be reported. This is clear evidence of systemic failure to review documentation and a violation of federal law. I am requesting immediate deletion of this account from all credit reports and written confirmation that Medical Data Systems, Inc will cease reporting this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have an ongoing CFPB investigationXX/XX/XXXXXXXX regarding Experian Credit Bureau XXXX I was a Victim of ID Theft & Fraud and have placed a Freeze & Fraud Alerts on all 3 credit bureaus & their 3rd party reporting affiliates. Today, XX/XX/year>, I received an open info card from Experian with my name & address on this card with Experian claiming acknowledgement of Experian 's ID protection policies in place. Experian is claiming " We were UNABLE to send you a copy of your credit report because the address you provided has not been previously reported to us. To request a free copy of your credit report, write to us. '' etc. They are requesting that I send to them my full name, SS #, complete address for the past 2 yrs, my date of birth, One copy of a government issued ID card and one copy of my utility bill, bank or insurance statement, etc. This card was sent to my Correct address that is ON my Experian file. I feel sending this information in USPS mail will only create MORE continued ID Theft and Fraud, as they have shown to have NOT followed thru with protecting my credit file and still are continuing to exploit and push their ID Theft products upon me. Experian 's Claim of Unable to send report due to my address provided has not been previously reported to them is a FALSE CLAIM, as this card was sent to me. Enclosed in attachment is the Experian card sent to me today. Please note as of today 's date I am even getting more ID Theft & Fraud due to Experian.

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 2025-09-10 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: GA

Complaint narrative:
Formal Notice of XXXX & XXXX Privacy Violations Demand for Immediate Deletion Date : ____________________ From : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX To :XX/XX/XXXX[ Address of XX/XX/XXXX] CC : Experian, XX/XX/XXXXRe : Unauthorized Reporting of Student Loan Account / Demand for Deletion To Whom It May Concern, This letter serves as a formal notice and demand regarding multiple violations of my rights under federal law. XXXX has unlawfully reported my student loan information to consumer reporting agencies without my consent, thereby violating my privacy and federal protections under FERPA ( Family Educational Rights and Privacy Act ). I have previously issued a cease-and-desist demand ; however, you have continued to contact me, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

The following violations are hereby noted : 1. FERPA Disclosure of my educational loan records to third parties ( credit bureaus ) without my express written consent. 2. FCRA ( Fair Credit Reporting Act ) Failure to conduct proper investigation after my
dispute, and continued inaccurate reporting.

3. FDCPA Continued contact and collection attempts after a valid cease-and-desist demand.

4. GLBA ( Gramm-Leach-Bliley Act ) Failure to protect my sensitive financial and personal information.

5. FACTA ( Fair & Accurate Credit Transactions Act ) Failure to safeguard my consumer information during known credit bureau data breaches. 
Additionally, there has been a serious privacy breach involving Experian,XX/XX/XXXX, and XX/XX/XXXX in which my credit file was placed in jeopardy. As such, your unauthorized reporting has further compounded the risk of harm and identity theft. 
DEMAND FOR RELIEF : 1. Immediate and permanent deletion of any and all accounts or references to me from Experian, XX/XX/XXXX, and XX/XX/XXXX 
2. Cease all further communications with me regarding this alleged debt.

3. Provide written confirmation within thirty ( 30 ) days that this account has been fully deleted from all credit files. 
4. Acknowledge liability for statutory damages under the FCRA ( {$1000.00} per violation ) and FDCPA ( {$1000.00} per violation ), as well as any actual damages caused by these unlawful actions.

You are hereby placed on notice : Failure to comply within thirty ( 30 ) days will result in immediate initiation of legal action in federal court seeking damages, attorney fees, and all other relief to which I am entitled. 
Sincerely, __________________________ 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