vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-06-03 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: CL Holdings LLC
State: HI

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent and inaccurate collection accounts currently listed on my credit report : Jefferson Capital Systems XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX I have no knowledge of the origin of these debts, nor have I ever authorized or initiated any credit activity related to them. I have previously reported this matter as fraud and identity theft, and I have reason to believe that my ex-spouse may have unlawfully obtained credit in my name without my knowledge or consent. 

This fraudulent activity contributed significantly to the breakdown of our marriage and continues to negatively impact my life. Despite my repeated notifications to previous collection agencies and relevant authorities, these alleged debts are continuously sold or transferred to new entitieseach restarting the collection process. 

As a XXXXXXXX XXXX XXXX veteran, I find these repeated attempts to collect a known fraudulent debt to be deeply harmful, both emotionally and financially. I have never conducted business with any of the aforementioned companies or their affiliates, and they have failed to provide valid proof of any legitimate obligationbecause no such obligation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-03 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
I bought my home on XX/XX/XXXX with XXXX as my mortgage company and then the mortgage was transferred or sold to XXXX. For the year XXXX my taxes paid from the escrow account and I believe the property taxes are only paid next year and not the current year so all taxes were paid on XXXX for XXXX. No issue on that. On XXXX I have my escrow account till XX/XX/XXXX and then I asked XXXX I would be handling my property tax and thinking I only need to pay XXXX  months for the year XXXX. But when I called the myloancare I got the response that they dont owe me anything and I was given a check which is an escrow surplus refund but not the actual refund of total property tax which was collected till XXXX. I tried explaining to customer care and really tired to get a resolution on the same. 

My point is if XXXX taxes were paid on XXXX and all tax collected in XXXX till XXXX shall be either paid to property taxes or refund to me. Nothing of that sort happened. I am really panicked and have no option to look for. I paid my first payment since I wanted to avoid the penalty. But wanted to resolve this before the second installment. 

Whenever I ask for copy of statements they ask me to check my online account. It would be better if they can share when a customer asks for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-06-03 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. 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 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$8700.00}

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 2025-06-03 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFormal Complaint Regarding Failure to Properly Investigate Disputed Credit Report Information  Violation of 15 U.S.C.  1681i\nTo Whom It May Concern:\nI am writing to file a formal complaint against your agency regarding your failure to properly investigate inaccurate information contained in my credit report, in violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i.\nOn [insert date], I submitted a formal dispute regarding the following item(s) in my credit report:\n\tCreditor Name/Account Number: XXXX XXXX XXXX XXXX\tNature of Dispute: Incorrect balance or payment history\nAccording to 15 U.S.C.  1681i(a)(1)(A), upon receiving a dispute from a consumer, a credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to do so within 30 days.\nDespite submitting detailed evidence including [list documents you provided], the disputed information remains on my credit report without any reasonable explanation or evidence that a proper reinvestigation was conducted. This suggests noncompliance with the FCRA.\nI hereby demand:\n1.\tA complete description of the reinvestigation process conducted for this dispute.\n2.\tThe name and contact information of the person or entity that verified the disputed item.\n3.\tImmediate deletion or correction of the inaccurate information if it cannot be verified as accurate.\n4.\tA revised copy of my credit report reflecting the outcome of the investigation.\nIf you fail to comply with your obligations under the FCRA, I reserve the right to file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney General. Additionally, I will consider pursuing legal remedies under 15 U.S.C.  1681n and  1681o, which allow for actual and statutory damages, costs, and attorneys fees.\nPlease treat this matter with urgency and respond to my request within the legally required time frame.\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
I am filing a complaint against MOHELA due to numerous violations of federal regulations and mismanagement of my student loans. MOHELA has repeatedly failed to send timely billing statements, provided deceptive and inaccurate information about XXXX XXXX XXXX XXXX ( XXXX ) eligibility, and offered inconsistent guidance on repayment options. 

Additionally, MOHELAs inaccurate and misleading credit reporting has negatively impacted my credit score. Ive received conflicting information from multiple representatives and have not been given accurate updates about my XXXX progress. 

These failures have caused financial harm, stress, and have delayed my ability to receive forgiveness I am eligible for. I am requesting immediate correction of my credit report, a full XXXX  payment audit, and an investigation into MOHELAs servicing practices. 

This complaint is filed under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Consumer Financial Protection Act ( CFPA ). I have also sent a formal dispute letter directly to MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Category : Mortgage Problems when making payments What happened? They took in my payment. It shows my payment history with XXXX XXXX was perfectly fine when it transferred to a different servicer they transferred me in foreclosure never could understand why were going on XXXX years of arguing and theyre trying to foreclose and Im trying to keep my house ) : I am filing a complaint regarding servicing misconduct involving a commercial mortgage loan secured by a residential property. The original loan was approximately {$710000.00} and originated with XXXX XXXX ( XXXX ). It was later transferred to XXXX XXXX XXXX and then to XXXX XXXX. 

Beginning around XXXX, I experienced multiple servicing issues. While I was waiting for a proper payoff amountdelayed due to my original attorneys deaththe servicer misapplied payments, withdrew funds from my account without applying them properly, and rerouted amounts into escrow, where they were consumed by fees rather than applied to the loan. 

Despite my willingness to resolve the matter, including consistent communication and payment attempts, the loan was defaulted. The payoff has since been inflated to over {$1.00} XXXX, far exceeding both the original loan amount and the fair market value of the property. No sheriffs sale has occurred, and I am still in possession of the property. The loan is being wrongfully enforced, causing credit harm and reputational damage. 

I am requesting that the CFPB investigate the improper loan servicing, demand a corrected and fair payoff amount, and facilitate resolution through either a short sale at {$500000.00} or a reinstatement of the loan with an accurate balance. I am also seeking accountability for the mismanagement, fees, and reporting that have caused personal and business damage.

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 2025-06-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint on behalf of XXXX XXXX, who is legally XXXX with 3 % vision and receives only {$1100.00} per month in fixed income. He has XXXX charged-off credit card accounts with Bank of America totaling approximately {$2100.00} ( account ending in XXXX and XXXX ). 

XXXX contacted Bank of America to try and resolve the accounts, but the bank is only offering a long-term payment plan with 7 % interest requiring him to pay the full balance. This is unaffordable based on his income and permanent medical condition. He offered a one-time {$250.00} payment to settle the accounts, which is the maximum he can afford, but his offer was denied. 

The continued pressure and lack of options are causing unnecessary stress. We are requesting that Bank of America consider a hardship resolution, either by accepting his {$250.00} settlement offer or formally forgiving the debt, given his financial and medical hardship.

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 2025-06-03 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 identity theft. 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I disputed a collection account from Southwest Credit Systems that appeared on my credit reports. I do not believe I owe this debt and have never received any original signed documentation or proper validation from Southwest Credit Systems. I requested proof that I am responsible for the debt and for full validation, but my requests have been ignored or the account was marked as verified with no evidence. The continued reporting of this account without proper validation is causing harm to my credit.

Company response to consumer: Closed with non-monetary relief