vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Cordoba Legal Group, PLLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I spoke to XXXX XXXX XXXX regarding lowering my debit by consolidation my debt with Cordoba Legal Group. He stated that they could help by reducing my total monthly amount. He indicated that I would only be paying {$430.00} bi weekly and by six months they can help by offering to a loan to pay the reminding balance and pay them back at a lower amount. He told me to stop making payments as they are in discussion with creditors and as a result, I had outstanding balance with the creditors and all the interested started to accumulated, which led to my credit suffering tremendously. I made several attempts to contact XXXX XXXX regarding my account but he and the company never returned my calls. For about five or more months I paid {$430.00} but I still did not qualify for the loan for pay off my bills. I felt like the advertising was dishonest or false. I got more and more into financial hardship. I final stop my bi weekly payments and got out of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have excellent credit, as evidenced in my XXXX XXXX credit score of XXXX, and it's based on them reporting ALL of my current, most updated records. I would think that other credit-reporting agencies would have the same high reporting standard to ensure their records are correct, but my Equifax score shows a major XXXX difference ( only XXXX ), which is due to a serious lack accurate records with updated information. Literally none of my records ; credit cards, home loans, 2nd mortgage, etc. has been updated in Equifax since XXXX ; and some since XXXX ; they show closed accounts that are open, no current balances or payments... not even one of my records is correct! I have worked hard to raise my credit score over XXXX, and now Equifax is reporting a low score of only XXXX due to their lack of record-keeping ; literally every single record is inaccurate. I should not have to educate Equifax on correct reporting, but when I attempted to start a dispute, I did not get far due to their limited options. My records are so outdated their choices did not go back far enough to dispute. I was also not successful trying to call ... and all this takes a lot of time! Their incorrect score is now affecting my ability to buy the new car I've been saving for -- or even look for a new home, so I am hoping you can make them accountable ; get them to urgently fix my records before I have even more loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Final Demand Before Legal Action Violations of FDCPA, FCRA, and E-SIGN Act Account Number : XXXX I am writing regarding the account referenced above, and your ongoing failure to comply with federal law regarding debt collection and credit reporting practices. 
Summary of Timeline and Issues : - I initially requested full debt validation, including a signed contract or verifiable proof of e-signature. 
- Your response failed to include a valid audit trail or any legally compliant electronic signature confirmation, as required under the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). 
- I then discovered your attorney, XXXX and XXXX, quoted a balance that was {$350.00} higher than what was reported to credit bureaus. I raised this discrepancy in a formal dispute. 
- Instead of investigating, you issued duplicate generic responses and refused to acknowledge or reinvestigate the new and material information I submitted. 
- In a follow-up response, your company admitted that the increased balance was due to court costs that have been incurred but not awarded yet. This is a clear admission of an attempt to collect unauthorized amounts. 
Violations Committed : 1. FDCPA Violation ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Misrepresenting the amount and legal status of the debt by attempting to collect unauthorized and unawarded court costs.

2. FDCPA Violation ( 15 U.S.C. 1692g ( b ) ) Failure to properly validate the debt when requested.

3. FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) Inaccurate and incomplete reporting of the debt balance to credit reporting agencies.

4. FCRA Violation ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputes submitted with new and material information.

5. E-SIGN Act Violation ( 15 U.S.C. 7001 ( c ) ) Failure to provide proper proof of electronic consent to the alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I received a notice of debt referencing XXXX accounts, dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$830.00}. Balance XXXX : {$1200.00}. Balance XXXX : {$1400.00}. 

On XX/XX/XXXX, I mailed a Certified XXXX letter requesting validation/ownership, for the XXXX referenced accounts, dated XX/XX/XXXX. Company signed for Cert mail on XX/XX/XXXX. 
I received no validation response required per right of law. 

On XX/XX/XXXX, I mailed a second Certified XXXX letter request requesting full debt validation/ownership, dated XX/XX/XXXX. Company signed for Cert mail on XX/XX/XXXX. 
I received no validation response required per right of law. 

On XX/XX/XXXX, I was served a Summons and Complaint, seeking damages in the amount of {$3500.00}, plus pre and post judgment fees. 

On XX/XX/XXXX, I filed and Answer and Affirmative Defenses to the Complaint. 

XXXX is pending pre-trial conference on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute with Experian after my identity had been stolen. I call police department and filed a report. Whomever has my identity has been doing it over a period of several years. I sent all information to Experian on two separate occasions and both times they denied stating they believed information was true. Yet has not provided me with information on how they came to this. Or allowing me dispute who they got information from. Its frustrating because you cant talk to anyone and have to wait 30 days each time for them to deny.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing regarding an account XXXX listed under the name CAPITAL ONE that appears on my credit report. I do not recall any such debt and have no record of receiving proper notification of this account. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide a copy of the original signed contract or agreement, detailed documentation of the full payment history and current amount owed, and a certified mail receipt showing that notice of this debt was delivered to me, including my signature as proof of receipt. If you are unable to provide the requested documentation within the timeframe allowed by law, I request that this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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
Consumer complaint received 2025-04-30 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
The Mortgage company first put me into foreclosure before the date on the letter I received ( I was behind because my Wife passed away last XXXX ) I paid the required amount to Shellpoint Mortgage by XX/XX/year> but received a foreclose summons a few days later with a foreclosure date of XX/XX/year> almost a week before. I then received a statement in XXXX for XXXX ( XXXX ) more for taxes Shellpoint has never paid our taxes we have always paid ourselves. I'm a XXXX XXXX on a single fixed income getting XXXX from my SS how am I supposed to survive? my monthly payments were XXXX which good enough for me. I at least need the payments returned to pervious amount to avoid this financial hardship. thank you ts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am trying to reach Mohela to request immediate cancelation of my loan forbearance so I can continue making qualified PSLF payments. They are not answering my calls. I call and tell the customer service person what I need and they transfer my call to the " appropriate '' person to help me but no one ever answers. I have been on hold for more than 2 hours two days in a row. I have sent messages but have not gotten a response yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure of how they got there. I routinely monitor my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a technical issue, but the errors remained. Given this situation, I kindly request a thorough review of the documents I submitted to ensure this problem is fully resolved and doesnt cause me future concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
In XX/XX/year> I mistakenly made XXXX mortgage payments to Mr. Cooper XXXX. I asked for a reversal. They reversed XXXX payment and one was returned for insufficient funds. Another payment was made. At the end of all this confusion, XXXX payments were ultimately removed for my bank account and only XXXX were reversed. The mortgage company did not register the payment on their end and continue to claim they did not receive a XXXX payment from me. I submitted my bank statement to their research department but they continue to deny they were paid. My credit is being affected by this unresolved situation. I have since made the XXXX payment, but the contend that this is payment for XXXX. Thus, I am still considered a month behind on my mortgage payments, and this is not so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are a small business. On our Bank of America checking account, we have been charged several times by an XXXX XXXXXXXX XXXX XXXX. In total is more than {$17000.00} which at first, they said they will only recognize the ones that have less than XXXX days. The information is as follows : DATE DESCRIPTION AMOUNT $ XX/XX/XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TOTAL XXXX {$17000.00} Now they are telling us that they don't recognize any of the charges. 

What has happened before with charges from XXXX XXXX and XXXX. They immediately recognize those as fraudulent, did a stop payment and extorted the charges. 

On these particular cases, since we also have XXXX XXXX XXXX XXXX and were paying with this checking account, they are not taking any responsibility. 

We ask for your mediation in order to solve 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 monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries Dear transunion, I am writing to formally dispute unauthorized hard inquiries listed on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries that I do not recognize or recall authorizing : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my express permission should appear on my credit file. I do not recall authorizing the above party to access my credit, nor did I initiate any application that would justify this inquiry. 

Please investigate this matter and remove the unauthorized inquiry ( XXXX  ) from my credit report. Enclosed is a copy of my government-issued ID and proof of address for verification purposes. 

I appreciate your prompt attention to this matter. Please provide a written confirmation once the inquiries have been removed. 

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