vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have XXXX accounts created in 2017 with XXXX as the lender. XXXX new accounts have been created recently with the name " missouri XXXX XXXX XXXX XXXX '' as the lender. These are my same loans from 2017 just reopened. This is making the credit bureaus believe I have recently taken out loans and have become delinquent. The credit bureaus then closed the previous accounts from 2017 negatively impacting my credit score. In short, XXXX been in debt for more than 7 years now and have been slowly building up my credit. Because of this name change my credit score has dropped XXXX points because the bureaus believe I have twice the debt and recently fell into delinquency. Before this, both XXXX and Equifax were showing my credit score as close to XXXX. XXXX is the only XXXX that didn't double report the loans and that score is currently XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Bank and XXXX XXXX XXXX are illegally using the court system to collect on a debt they can not validate and that I do not legally owe. This is a direct violation of federal and state law. 

1.Discover Bank is in Default : I sent Discover a Notice of Validation Request, and they failed to validate the alleged debt within the legally required timeframe. They are now in default and have no legal standing to collect this debt. 

2.Smith XXXX XXXX XXXX XXXX the Law : Despite knowing Discover is in default, XXXX XXXX XXXX filed a lawsuit against me anyway. This is a direct violation of : a.Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g, 1692e, 1692f ) Prohibits attempting to collect a debt without validation and using deceptive means.

b.South Carolina Consumer Protection Code ( S.C. Code Ann. 37-5-110 & 37-5-111 ) Requires creditors to provide a Right to Cure Notice before legal action, which was never provided. 
c.Abuse of Process Doctrine Using the court system to pressure payment on an unverified debt is unlawful.

What Happened : 1. I sent Discover Bank a Notice of Validation Request. They failed to respond, meaning they defaulted and lost any right to collect.

2. I sent Discover Bank a Notice of Default. This formally notified them that they forfeited any legal claim to the debt. 
3. XXXX XXXX XXXX ignored the default and filed a lawsuit anyway. They are knowingly violating debt collection laws by using the court system to collect on an unvalidated and unenforceable debt. 
4. They are now seeking a Summary Judgment against me despite being in violation of federal law and knowing they have no legal right to collect.

5. I have Filed a Motion to dismiss on the aforementioned grounds.

Attachments : Copy of my Notice of Validation Request sent to Discover Bank ( Return Reciept ) Copy of my Notice of Default sent to Discover Bank. ( Return Reciept ) Court documents showing XXXX XXXX XXXX filed a lawsuit anyway. 
Motion To Dismiss Evidence showing discrepancies in the alleged debt balance. 

I expect immediate action to correct these violations. If this issue is not resolved, I will escalate my complaint and pursue further legal remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kramer & Frank, P.C.
State: AR

Complaint narrative:
I served a summons back in 2022. I agreed on a payment plan but hard times come along. I had to stop making payments because I had to feed my kids. When I was paying them they were being sneaking and trying to garnish my checks while I was paying them. I tried to settle with them but they said it has to be a garnishment and cant be monthly payments or a settlement On my credit report it shows XXXX and now its XXXX because of court fees and what ever happened to the other money I put into my balance. Something is fishy about this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this XXXX have affected the integrity of my records. 

Under the XXXX XXXX Rights and Privacy Act ( XXXX ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report. 

Please provide a written response within XXXX  days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I XXXX be forced to escalate my dispute to the XXXX Department of Education and other appropriate authorities.

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 2025-03-13 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this XXXX have affected the integrity of my records. 

Under the XXXX XXXX Rights and Privacy Act ( XXXX ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report. 

Please provide a written response within XXXX  days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I XXXX be forced to escalate my dispute to the XXXX Department of Education and other appropriate authorities.

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 2025-03-13 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this may have affected the integrity of my records.

Under the Family Educational Rights and Privacy Act ( FERPA ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report. 

Please provide a written response within 30 days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I may be forced to escalate my dispute to the U.S. Department of Education and other appropriate authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
My personal and financial information was compromised without my authorization.

The FERPA act protects the confidentiality of personal records. This breach is a clear violation of FERPA and the governments responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that my student loans would immediately be canceled and discharged debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my account and was never verified. XXXX and XXXX have both deleted this account. I am demanding that Equifax remove this incorrect information from my credit report XXXX XXXX. The collection agency was contacted and could not verify this information. This collection account is also reporting XXXX  days past due when a collection account can not report as past due. Furthermore, there is no original creditor listed on this account. Illegal reporting for a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Just recently, approximately the last XXXX weeks in XXXX this year, I noticed the XX/XX/year> Annual Escrow Analysis Statement. At the bottom of page XXXX, box XXXX, where the XXXX Account XXXX is, it shows what was paid as well as the amounts paid. 
I noticed they had listed for XXXX XXXX water/sewer in the ( annual ) amount of {$230.00}. I knew that had to be an error especially since water/sewer is paid MONTHLY to a utility company through my XXXX 's XXXX XXXX 
I have tried calling them on numerous occasions in XXXX and in XXXX speaking to various phone representatives in their XXXX Department. I have emailed not only their Ombudsman but their XXXX ( XXXX XXXX XXXX ) department as well. I have even submitted a letter to their XXXX Department within their company just yesterday. 
Yet they refuse to correct their error. Instead of water/sewer, it should say SOLID WASTE, which is for trash collection ONLY in the amount of {$23000.00}. Although the trash bill is being paid and I have not been charged for a water/sewer bill, it is still incorrect and should not reflect that water/sewer is what is paid in the amount of {$230.00}. 
The mortgage company feels that XXXX and XXXX XXXX XXXX XXXX utility bills, so they consolidate it. I don't understand how they could do that when they are not the same. I have Nothing stated in my Escrow that proves my SOLID WASTE is paid by them. I have to call up XXXX XXXX XXXX XXXX 's office to make sure my solid waste bill is actually being paid. 
My concern is that if this is not corrected, it could backfire on me somehow and I will end up having to pay for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Told them to not reach out based on right to refuse dealing with credit collection agency and they refuse to abide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am filing a formal complaint against Chase Bank for unfair and unjust practices regarding the closure of my account and their subsequent demand for repayment due to their own error. 

Within the last XXXX years, Chase Bank closed my account without prior notice or explanation. After closing the account, they sent me a check for the remaining balance that was in my account at the time of closure. I assumed this was the correct amount, as it was determined by Chase. 

Now, after the fact, Chase is claiming that they sent me the incorrect amount and are demanding that I send them {$100.00} back. However, this mistake was entirely on their part, and I should not be penalized for their miscalculationespecially considering that they closed my account against my will and without any justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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 2025-03-13 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: CA

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 : Disputed Accounts : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3400.00} Hard Inquiry to Be Removed : XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MS

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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AXOS FINANCIAL, INC.
State: MS

Complaint narrative:
I made a purchase on XXXX on XX/XX/year> and my XXXX XXXX was charged twice for XXXX. I have checked multiple times over the past week with XXXX who verified that they refunded the amount back to my card. However I have not received the amount. I was told by XXXX that it could be 5 days which then turned into 7 and was told today, it's 10. The date the money is supposed to be returned keeps changing. Upon looking at my other transactions, I had amounts refunded to me on the XX/XX/XXXX and XX/XX/XXXX which also were never returned. Once again I checked with XXXX and they again confirmed that they refunded the amount on those same respective dates. But as was the case with the double XXXX dollar amount, I never received my money back and I keep getting the run around as to where it is and why I don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MA

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

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