vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am a Sallie Mae borrower currently experiencing financial hardship due to unemployment. I contacted Sallie Mae in XX/XX/year> to request an extension of my forbearance or access to lower repayment options before becoming delinquent. I was granted only two months of forbearance and told that no other assistance could be offered until I miss a payment and go into delinquency. 

Multiple representatives, including a member of their escalation team, from XXXX - XX/XX/year>XXXX  informed me that their repayment assistance and collections teams are the same and can not do anything further until 6 days after a missed payment. I explained that I want to avoid delinquency, protect my credit, and maintain good standing, but I was told I must become late before any further support could be discussed. 

It seems extremely unfair and damaging that Im being forced into delinquency just to access support I am seeking proactively. I believe this is poor business practice and could lead to unnecessary harm to my credit profile and loan standing, especially since my unemployment is temporary and I am actively seeking work.

Im asking Sallie Mae to offer a good-faith extension of forbearance, or to provide access to a lower payment plan ( such as interest-only or {$25.00} fixed payments ) to help me stay current. I am willing to work with them but I should not be penalized for trying to stay ahead of the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
I submitted multiple disputes with Equifax regarding a charged-off account reported by XXXX XXXX with a {$1600.00} balance and a DOFD of XXXX/2022. The account is still reported as active and past due, even though it is closed and possibly time-barred. No validation was provided and no correction was made. 

Equifax has ignored evidence I submitted, including proof that the account was in dispute and possibly misreported under FCRA 605 ( c ). The continued reporting of this balance without confirming accuracy or ownership is damaging and misleading. 

Equifax has failed to correct or delete inaccurate, misleading information after formal notice. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). Ive suffered credit denials, stress, and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

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!

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 2025-04-25 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: GA

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I am submitting this complaint regarding Equifax and their failure to properly update an account that has been paid in full and should reflect a {$0.00} balance and a closed status. 

Details are as follows : Creditor Name : XXXX XXXX Account Number ( last four digits ) : XXXX Balance : Paid in Full ( currently showing {$81.00} incorrectly ) Original Date Opened : XXXX/2024 Credit Bureau Involved : Equifax Despite multiple attempts to resolve this directly with both Equifax and the creditor, and despite an ongoing investigation, my credit file continues to reflect an inaccurate balance. This misreporting is harmful to me as I am in the process of purchasing a home, and accurate reporting is crucial to my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing in response to a collection notice I received ( or found on my credit report ) regarding the alleged debt listed above. I do not acknowledge or accept responsibility for this debt and request that you validate it in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditors name and address 2. The full account number and amount of the alleged debt 3. A copy of the original signed contract or agreement bearing my signature 4. A full payment history and breakdown of how the alleged amount was calculated 5. Documentation that you are legally authorized to collect on this debt 6. Proof that this debt is actually mine While this account is in dispute, you are not allowed to report it to credit bureaus per the Fair Credit Reporting Act ( FCRA ). If you have already reported it, I request that it be marked as disputed immediately.

If you can not provide this documentation, please remove the account from your records and cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: CO

Complaint narrative:
Began receiving phone calls and texts from Glass Mountain Capital to collect a medical debt supposedly incurred at XXXX XXXX. I requested information concerning the debt- when this debt was incurred, where it was incurred and the services provided as I had not been a patient of XXXX XXXX for well over a year when the contacts began. I contacted XXXX XXXX and requested a copy of the bill. It was never received. I paid the bill to avoid any issues with my credit rating, however, I sent letters to XXXX XXXX at the office where I had been a patient, to their corporate office and to Glass Mountain Capital. The letter outlined what had occurred and requested a copy of the bill and the recourse I would have if they failed to reply. That letter was sent on XX/XX/year>XXXX  and advised that I would be filing a complaint with your agency if a response was not received within thirty days. To date, I have yet to receive a response or a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 :

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 2025-04-25 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: MI

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX  XXXX Bankruptcy ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAMEXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME:XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
After carefully reviewing the information tied to this account, Ive noticed several discrepancies that raise concerns. Some of the data does not appear to be mine, and there are entries that I dont recognize or recall authorizing. This includes inconsistencies in personal details, activity records that dont align with my usage, and other anomalies that suggest the account may contain mixed or inaccurate data. Given the nature and volume of these issues, I no longer have confidence that the data on file accurately reflects my information alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
My mortgage loan was sold to Selene XXXX  earlier this year. My previous lender had done an escrow analysis before the loan was sold and I was {$1100.00} short which I paid on XX/XX/XXXX. In XXXX I was sent a letter from Selene that they had conducted a escrow analysis and that I owed {$1100.00} or my monthly payment would go up {$99.00}. I called multiple times and spoke with different people who told me they would initiate a new escrow analysis but this never happened. Approximately 4 weeks ago I contacted them again and spoke with a woman who said she could see that my {$1100.00} payment was made and that they had misallocated the funds and she would fix it. I called on XX/XX/XXXX and spoke with another woman who stated she could not see any notes on my account but I could email the customer service team with proof that I had paid {$1100.00}, even though she could see that the payment was made. I asked to speak with a supervisor but was told there was none available and I would be put on a list for them to call me back. That never happened. I have emailed proof this payment was made and have not heard from anyone. This morning I went on my account and saw there was a disbursement of {$170.00} to mortgage insurance. I called to ask what this was for and was told it was my PMI. My PMI has been {$86.00} throughout the almost 10 years ( XXXX will be 10 years ) that I have my mortgage. She told me she would transfer me to someone who could help me with this issue. I was transferred to the home insurance department who stated they did not deal with PMI. I have spent hours calling this company and there has not been any resolution whatsoever even when I am being told the issue will be fixed. This has been an absolute nightmare dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-25 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are numerous unauthorized hard credit inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and permanently removed from my credit file without delay. 

Details of the Dispute : I am disputing the following hard inquiries that appear on my credit report, which I believe to be the result of fraudulent credit applications made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred between  XX/XX/XXXX and XX/XX/XXXX . I did not apply for credit with any of the above entities and did not authorize any third party to do so on my behalf. 

Formal Request for Investigation and Deletion : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all credit reporting agencies immediately block and delete these fraudulent inquiries. 
Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting verification of the origin and legitimacy of each inquiry. If the furnishers can not provide signed applications or valid authorization from me, these inquiries must be removed immediately. 

Compensation for False Verification : According to FCRA 616 ( 15 U.S.C. 1681n ), if any of these inquiries are falsely verified as legitimate despite my identity theft report, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation Provided : Identity Theft Report ( police & FTC affidavit ) Government-issued photo ID Proof of current address ( e.g., utility bill, lease, or bank statement ) Requested Actions : 1. Immediate blocking and permanent deletion of all listed fraudulent inquiries.

2. Verification documentation for each inquiry, if the deletion is not possible.

3. Written confirmation that these items have been deleted.

4. Notice to each furnisher to cease reporting unverifiable inquiries.

5. An updated credit report reflecting these corrections.

I expect confirmation in writing that this request has been processed in full compliance with the FCRA. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am disputing a collection account reported by Caine & Weiner on behalf of XXXX XXXXXXXX XXXX XXXX XXXX credit report. 
I was never properly notified of this alleged debt nor given the opportunity to validate or dispute it as required by the FDCPA. 
The creditor and collection agency sent any possible notifications to an outdated address where I no longer resided, despite having my updated email address and phone number on file. 
Failure to use my known and active contact information violates the obligation to properly notify under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, this debt relates to an insurance policy that had already been canceled, and no services were rendered during the alleged debt period. 
Despite disputing this account with XXXX  and providing supporting documentation, XXXX refused to correct or delete the inaccurate account without providing valid verification. 
This {$130.00} collection account is disproportionately harming my creditworthiness and financial recovery efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a {$2400.00} Zelle transfer through XXXX XXXX to a contractor for repairs. The recipient misrepresented their business credentials and abandoned the job without performing the agreed-upon services. I promptly reported the incident to XXXX XXXX and provided supporting evidence, including written communication and identity documentation of the recipient. Despite this, XXXX XXXX refused to investigate unde

r Regulation E ( 12 CFR 1005.11 ), incorrectly classifying this as a non-reversible transaction outside the scope of protection. According to CFPB guidance and prior cases, Zelle is covered under the Electronic Fund Transfer Act when consumers are fraudulently induced to initiate transfers. This was not an authorized payment for completed servicesit was the result of deception and bad faith. 

XXXX XXXX failed to conduct a reasonable investigation, placing the entire loss on me, despite clear regulatory precedent and customer protections. I am seeking redress through the CFPB due to the banks refusal to take responsibility or escalate the matter appropriately.

Company response to consumer: Closed with explanation