vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX  ) is saying I owe the remainder of my lease amount. I never signed any document confirming I would pay that upon moving out. The property manager at the time, called animal control on my dog and I was forced to move out even though my dog is up to date on all his shots and was visited by animal control to confirm all of that. The assistant manager agreed that I can break my lease if I give at least 2 weeks notice to vacate, which I did. I do not owe the amount they are alleging since I gave enough notice before moving out given all the unfortunate circumstances regarding my pet. I have never broken a lease before but management at this property literally forced me out unlawfully with no real reason as to why.

The incident with Animal Control occurred on XX/XX/year>. I gave notice to move out later that week. My official move out date was XX/XX/year>. I was already up-to-date on rent owed for the time I lived there. However months later, instead giving me fair warning or even requesting a forwarding address ( which the property manager or assistant manager did not ) they sent my information to a debt collection agency, Rent Recovery, this was forwarded by USPS but looking at the mailing address, it was still showing I lived at inland. In any case, I did not get this information till middle of next year so they already marked me delinquent which was odd since there was XXXX communication on this to begin with. They have already reported this on my credit report which is damaging. The entire incident would have never happened had the property manager not forced me to move out. This was not my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On dates listed these companies pulled my credit without my permission and caused my credit score to decrease significantly. I never gave these companies authorization to run my credit these companies are apart of my recent filing of my Bankruptcy after being discharged these companies have repeatedly fraudulent ran my credit. 

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 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 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 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 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 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 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 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

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The debt was removed from XXXX and XXXX but still reporting on my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Dear Federal Trade Commission, My mortgage company is Rushmore XXXX. I have a home equity line of credit with them. Account : number The early part of 2024. Like XXXX and XXXX. My monthly payment was due at the end of the month on the XXXX. I would make my payment in the early part of the month ; Rushmore XXXX would apply my payment to the principal and insist I make another payment for the interest. 
I asked Rushmore XXXX to apply my payment to interest as I intended, Rushmore XXXX refused and reported to the credit Bureau that I was not paying my monthly note. I filed a complaint with the Federal Trade Commissioner. The Federal Trade Commissioner asked them to apply my payment as intended and correct that information with the credit Bureau. Rushmore XXXX never corrected the information with the credit bureau, it has had a serious negative impact on my finances. My credit applications are frequently declined. Despite using Rushmore XXXX  for my home equity line of credit, they denied my application. They also reported incorrect information to the credit bureau. They turned me down based on the credit bureaus information, which is incorrect, and they are the ones who reported it to the credit bureau, I am asking for damages. This has cost me thousands of dollars lots of and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year> the XXXX XXXX XXXX informed me that my loan application was suspended because they could not access my Experian credit file, because it was locked. I have been trying since that day to get Experian to unlock it without any success. They dont release an email address. The half dozen phone numbers they have dont lead to any positive results. They did not respond to my US postal letter to XXXX, TX XXXX on XX/XX/year>. 
I did not request this lock. Please help me remove it.

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 2025-04-08 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: GA

Complaint narrative:
I wrote a letter to the Dept. of Education stating the following : I am formally writing you all to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

Recently, I discovered that my sensitive and legally protected records accessed, and potentially shared without my consent. This includes but is not limited to the following : Academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

The acquired and utilization of my IRS tax transcripts without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote a letter to the Dept. of Education stating the following : I am formally writing you all to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

Recently, I discovered that my sensitive and legally protected records accessed, and potentially shared without my consent. This includes but is not limited to the following : Academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

The acquired and utilization of my IRS tax transcripts without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-04-08 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: GA

Complaint narrative:
I wrote a letter to the Dept. of Education stating the following : I am formally writing you all to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

Recently, I discovered that my sensitive and legally protected records accessed, and potentially shared without my consent. This includes but is not limited to the following : Academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

The acquired and utilization of my IRS tax transcripts without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-04-08 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: AL

Complaint narrative:
Upon reviewing my most recent credit report, I identified unauthorized and fraudulent hard inquiries made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> I did not authorize any of these entities to access or make inquiries on my credit report. Furthermore, I did not provide any credit bureau with permission to furnish or release my personal credit file to these companies. These inquiries were made without my consent and represent a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), which outlines permissible purposes for accessing a consumer credit file.

I am formally demanding the following actions : Immediately delete the above unauthorized inquiries from my credit report.

Validate and investigate each inquiry by providing documentation bearing my signature that authorized these credit checks.

Produce a signed agreement or contract between myself and or any credit bureau involved authorizing the release of my credit information to these companies.

If you are unable to provide valid documentation within 30 days as required under FCRA Section 611, you are legally obligated to delete these inquiries from the credit file associated with my Social Security number.

Failure to comply will result in me filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for violation of federal consumer protection laws.

I expect immediate attention to this matter and written confirmation once these inquiries have been 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 non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-08 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Wrong information is being being reported! 
would like them to verify that this is my account. I also would like the following. 

The forward flow agreement chain of assignment Transfer of assignment Proof of ownership of debt Bill of sales Has this been securitized Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I took out my first PLUS loan for my children in XXXX. I see no documentation that I deferred the loans until XXXX. I contacted the current servicer SLOAN servicing. I requested my history since XXXX. They sent me documentation and amortization starting from XXXX to present. According to them my beginning balance was {$59000.00} in XXXXXXXX XXXX XXXXXXXX. Their amortization shows my payments starting on XX/XX/XXXX to present. I totalled the principal and interest payments for my consolidation. According to their records I paid {$39000.00} in interest and {$26000.00} during that timeframe. How could I pay more interest than principal over 17 years? They gave me a formula on how the interest is computed. I would have to be a mathematical genius to compute those numbers over 17 years. I am now XXXX XXXX XXXX and retired on a fixed income I can only pay my basic expenses with assistance from my children. I don't know how they can think I can afford a {$340.00} payment each month. The loan has changed servicers 5 times over it's lifetime. The servicer was NELNET until XX/XX/XXXX and then it was transferred to SLOAN and now to XXXX. I'm disputing how they are computing the interest to put me where I'm at after 23 years. I took out my first PLUS loan for my children in XXXX. I see no documentation that I deferred the loans until XXXX. I contacted the current servicer SLOAN servicing. I requested my history since XXXX. They sent me documentation and amortization starting from XXXX to present. According to them my beginning balance was {$59000.00} in XXXX of XXXX. Their amortization shows my payments starting on XX/XX/XXXX to present. I totalled the principal and interest payments for my consolidation. According to their records I paid {$39000.00} in interest and {$26000.00} during that timeframe. How could I pay more interest than principal over 17 years? They gave me a formula on how the interest is computed. I would have to be a mathematical genius to compute those numbers over 17 years. I am now XXXX XXXX XXXX and retired on a fixed income I can only pay my basic expenses with assistance from my children. I don't know how they can think I can afford a {$340.00} payment each month. The loan has changed servicers 5 times over it's lifetime. The servicer was NELNET until XX/XX/XXXX and then it was transferred to SLOAN and now to XXXX. I'm disputing how they are computing the interest to put me where I'm at after 23 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
The company is report incorrect balance and reported it delinquent when Im not delinquent.

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 2025-04-08 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: FL

Complaint narrative:
The company is report incorrect balance and reported it delinquent when Im not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
The company is report incorrect balance and reported it delinquent when Im not delinquent.

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