vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information on my credit report. I am a victim of identity theft as defined under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). The following information appearing on my credit file is not mine and should be blocked and permanently removed. 

Correct Information : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Names Reported : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Fraudulent Employment Reported : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts Reported : XXXXXXXX XXXX {$830.00}, Reported XXXX XXXX, XXXX, Closed XXXX XXXX, {$4200.00}, Reported XXXX. XXXX, XXXX, Closed XXXX XXXX, {$1300.00}, Reported XXXX. XXXX, XXXX, Closed XXXX XXXX, {$200.00}, Reported XXXX. XXXX, XXXX, Closed Fraudulent Inquiries Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Collection Reported : XXXX XXXX XXXX XXXX XXXX {$1800.00}, Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX These items do not belong to me. I did not authorize these accounts, inquiries, addresses, or collections. Reporting them is a violation of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ).

I am requesting the following actions : 1. Immediate blocking and removal of all fraudulent information listed above.

2. Issuance of a corrected copy of my credit report once the deletions have been completed.

3. Notification to any party that has received my credit report within the past XXXX months of these corrections, as required by law. 

Enclosed are copies of my government-issued identification and proof of current address. I am also prepared to provide an Identity Theft Report from the FTC if needed. 

Please investigate and resolve this matter promptly.

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 2025-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I sent a letter requesting the Master Promissory Note and Chain of Custody. No response.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-20 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: NY

Complaint narrative:
Upon reviewing my credit report. I notice a late payment listed on XXXX XXXX that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

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 2025-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing in response to your recent notice claiming servicing rights to my mortgage loan for the property located at : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Previously, XXXX XXXX claimed to be the servicer on this loan. I submitted multiple Qualified Written Requests ( QWRs ) to XXXX XXXX under RESPA ( 12 U.S.C. 2605 ) demanding the Security Deed, Chain of Title, and proof of servicing/ownership authority. XXXX XXXX failed to provide this information, and instead transferred servicing to BSI while the QWR was still pending, which is a violation of RESPA. 

1. I submitted multiple QWRs to XXXXXXXX XXXX requesting the Security Deed, Chain of Title, and proof of servicing authority. XXXXXXXX XXXX failed to provide these documents. 
2. Instead of complyingXXXX XXXX XXXX transferred servicing to BSI Financial Services in XX/XX/year>. 
3. I have since received late payment notices from BSI, but they too have not provided any validation of ownership or authority despite my demand.

4. MERS records show XXXXXXXX XXXX as Inactive, and XXXX XXXX XXXX XXXX listed as Active for this loan. This further raises concerns about who the lawful servicer actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MAINSTREET LOAN COMPANY IN
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/year> Via Certified Mail Return Receipt Requested Mainstreet Loan XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX Re : Debt Validation Request/ Formal Dispute Account Number : [ Insert Account Number ] To Whom It May Concern : This letter is a formal demand for debt validation and notice of dispute regarding the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I assert my rights as a consumer to dispute and request verification of any alleged obligation you claim I owe. 

At present, I dispute the accuracy, completeness, and legitimacy of this account as it appears on my credit file and/or in your records. You are required under law to provide competent evidence that substantiates the debt. This includes, but is not limited to : 1. Proof of ownership and authority documentation establishing that Mainstreet Loan Company is legally entitled to collect this debt.

2. Original agreement a copy of any contract, note, or agreement bearing my signature that created the obligation. 
3. Full payment history complete accounting from inception to closure, showing how the alleged balance was calculated, including all debits, credits, interest, and fees.

4. Verification of reporting proof that any derogatory information furnished to credit reporting agencies is accurate, current, and compliant with FCRA 607 ( b ) ( duty to assure maximum possible accuracy ).

5. Identification of verifier the name, title, and department of the individual ( s ) who confirmed the disputed information with the credit reporting agencies, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Until you provide the above, you are hereby directed to cease all collection activity and reporting of this account to any consumer reporting agency. Continued reporting of unverified or inaccurate information constitutes a willful violation of federal law and exposes your company to civil liability under 15 U.S.C. 1681n ( for FCRA ) and 15 U.S.C. 1692k ( for FDCPA ). 

If you can not verify this debt with the requested documentation, you are required by law to immediately delete the account from all credit reporting agencies to which it was furnished. 

I expect your full written response within 30 days of receipt of this letter. All future communication must be conducted in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX 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 2025-08-20 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am filing this complaint to formally dispute a collection account being reported by AWA COLLECTIONS on my XXXX credit report. The account in question lists the original creditor as " XXXX XXXX '' with an alleged balance of {$640.00}. 

I have never signed or authorized any contract, agreement, or transaction with either the XXXX XXXX or AWA COLLECTIONS. This appears to be related to an insurance matter, not a credit-based financial obligation. I did not receive services on credit, nor did I agree to be personally financially liable for any such balance. 

AWA COLLECTIONS has not provided any documentation to validate this debt. Despite my written request for validation, they have continued to report this account without verifying its accuracy, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, they have failed to provide : A signed contract proving I owe this debt ; A breakdown of charges and payments ; Evidence of legal assignment from the original creditor ; Proof that this is a consumer credit obligation that falls within the scope of credit reporting. 

The continued reporting of this unverified and inaccurate collection account is damaging my credit, impacting my financial opportunities, and constitutes a willful violation of federal consumer protection laws. 

I am requesting the CFPB to investigate this matter and compel AWA COLLECTIONS to either provide proper validation of the debt or remove the account from all consumer reporting agencies. 

Thank you for your assistance in protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
An Bank of America account was opened while I was XXXX The credit card was opened on XX/XX/year> with a limit of {$300.00}. I have submitted a statement as well as an police report. Please provide me with verification and documentation that proves I applied for this account as well as the signed application for this account. 

Thank you

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 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-20 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

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 2025-08-20 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding my federal student loans. I consolidated my loans in XX/XX/year>, per the advice of my loan servicer at the time ( I believe either XXXX XXXX or XXXX ). My original principal balance was approximately {$90000.00}, but due to capital interest charges, my balance has now grown to nearly {$140000.00} due to capital interest charges. 

At no point was it clearly explained to me that unpaid interest would be added to my principal in such a way, dramatically increasing the total amount owed. The impact of capitalization was not transparent, and I feel that I was misled or, at the very least, not adequately informed of how significantly this process would affect my repayment balance. 

I no longer have access to all of the original loan documents or disclosures from that period and neither does my current loan servicer - Aidvantage. I believe I was not given full or fair disclosure about the long-term consequences of capitalized interest. 

I am requesting that the CFPB investigate this matter and help ensure that my account is reviewed for accuracy, fairness, and potential adjustment. I am especially concerned that my loan servicers lack of clear explanation regarding interest capitalization has placed me in an unfair and unreasonable financial situation. 

Thank you for your assistance in reviewing this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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