vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because two unauthorized XXXX accounts ( Account # XXXX and XXXX ) were wrongfully reinserted into my Equifax credit report without any written notice, even though they had been previously deleted. This reinsertion occurred when I reviewed my updated credit report on XX/XX/XXXX. These accounts were deleted in XXXX, and I have written confirmation from XXXX XXXXXXXX XXXX dated XX/XX/XXXX, explicitly stating that they are not reporting these accounts to any of the four major credit reporting agencies XXXX XXXX  Equifax, XXXX XXXX  XXXX. Despite this, Equifax has reinserted the accounts without notifying me within five business days, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act. Additionally, Equifax failed to maintain reasonable procedures to prevent the reappearance of previously deleted information without proper certification of accuracy, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). No other credit bureau is reporting these accounts, only Equifax, further proving that Equifax did not verify the accuracy of the information and is acting in negligent disregard of its duty under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. This pattern of behavior also constitutes willful and/or negligent noncompliance under 15 U.S.C. 1681n and 1681o. This situation has caused serious frustration and damage to my credit standing, and I am seeking full enforcement of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Im a victim of fraud, and Money Network has failed to properly address my case. While I was XXXX from XX/XX/XXXX, to XX/XX/XXXX, someone accessed my account and made numerous unauthorized transactions, totaling approximately {$5000.00}. I had no access to my account during that time and was completely unaware this was happening. 

Toward the end of my XXXX about a month and a half before my release, my mother coordinated a three-way phone call with Money Network while I was still in custody. Thats when we first discovered the fraudafter hearing that my account balance was unexpectedly low. At that point, I couldnt dispute the charges because I had no access to the phone number or email tied to the account. I also had to reset my EDD account after release to retrieve the most recent transaction records, which confirmed and proved I was a victim of fraud. 

After my release, I filed the dispute and followed all required procedures. Despite this, my claim was denied on the grounds that I didnt report the fraud in a reasonable timeframewhen in fact, I was physically unable to do so due to being XXXX 

I submitted a formal appeal on XX/XX/XXXX, and have not heard anything backnot even a confirmation email acknowledging they received it. Ive made multiple attempts to follow up through calls and emails, but no one has responded. Ive also filed a police report and submitted complaints with the FDIC. 

I believe Im being treated unfairly due to my situation. While it hasnt been said outright, it feels like Im being dismissed or discriminated against based on the legal circumstances I was facing at the time of the fraud.

Im requesting the CFPBs help to hold Money Network accountable and assist in recovering the funds that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Personal Information ( TransUnion ) Also Known As : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am submitting this complaint to report serious concerns regarding XXXX c/o PHH Mortgage Services and their ongoing mishandling of my mortgage account, including the improper retention of debt securities submitted for settlement, deceptive loan modification practices, and coercive debt collection tactics. 

Background : On XX/XX/XXXX, I sent a debt security in the amount of {$32000.00} via mail to bring my mortgage account current. Under the Mailbox Rule ( Restatement ( Second ) of Contracts XXXX ), this payment should be considered made as of the date sent. 

Despite timely submission, the security was not applied until XX/XX/XXXX. This delay directly resulted in PHH forcing me into a loan modification, finalized on XX/XX/XXXX, under the threat of foreclosure and extreme pressureconditions that amounted to duress, coercion, and undue influence. 

I believe these actions violate : 15 U.S.C. 1692d ( Fair Debt Collection Practices Act ) Prohibiting abusive or coercive debt collection, 12 U.S.C. 5531 ( Dodd-Frank Act ) Prohibiting unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Ongoing Issue : On XX/XX/XXXX, I sent another security instrument ( Security # XXXX ) via XXXX XXXX Mail # XXXX for the purpose of settling ongoing monthly payments under the terms of the modification. 

As of this complaint, PHH Mortgage has not applied this security to my account. Instead, they have retained the security and allowed my account to fall into default status. I submitted a formal written request for review and resolution, which has been ignored. 

These actions appear to be deliberate, as the only previous time a payment was applied correctly ( in XXXX ) was after I threatened to report their practices to the SEC. 

Requested Resolution : I am seeking the CFPBs assistance to : Investigate the improper retention of securities submitted to settle my mortgage balance. 

Require XXXX c/o PHH Mortgage Services to apply all properly assigned payments to my account.

Remove any wrongful default or negative credit reporting caused by their failure to apply payments.

Re-examine the legitimacy of the mortgage modification entered under duress and coercion.

Ensure compliance with federal consumer protection laws moving forward.

I am prepared to submit copies of the securities, certified mail receipts, correspondence, and the modification agreement upon request. 

Thank you for your time and for protecting consumers like myself from these abusive practices.

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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Can not login into the Mohela website page. Can not get anyone to answer the phone to talk about the repayment of my account. Credit score has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: PA

Complaint narrative:
This is a follow up complaint to the complaint attached here. XXXX XXXX XXXX XXXX XXXX XXXX promised he would follow up ASAP. XXXX calls went to voicemail, and not even an email sent to me. When XXXX potentially owed {$2500.00}, and sent a stale check. Unacceptable. You have my account number, you know my address & email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute information regarding my credit card account with Navy Federal Credit Union. I believe there are inaccuracies on my account that require immediate investigation and correction. Also the fees are getting way out of hand even though im making the payments on time that os shown on the app

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
XXXXNOTICE FOR REQUEST OF         XXXXCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE XXXXAND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS XXXXDEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING XXXXHARM NOTICE INTENT TO SUE REPEATED OFFENDER \n \n                    DEFENDANT: XXXX XXXX XXXX SSN-XXXXXXXX XXXX XXXXXXXX XXXXDEFENDANT: Portfolio Recovery Associates, L.L.C. XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX  number: XXXX XXXX  GO AFTER XXXX XXXX XXXX XXXX  RE: ALLEGED ORIGINAL CREDITOR: XXXX XXXX XXXX      ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBERs: XXXX XXXX       ALLEGED DEBT AMOUNT OR BALANCE$XXXXXXXX XXXXTO CONSUMER REPORTING CERTIFIED MAIL# XXXX XXXX XXXX XXXX XXXX XXXXDEAR: Portfolio Recovery Associates, L.L.C.   -BULK DEBT COLLECTOR BUYER XXXXSTOP VIOLATING THE FDCPA USC 1692 [I NEVER gave your company consent to use this account/ESTATE XXXX XXXX XXXX  IN COMMERCE] XXXXXXXX XXXX: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO XXXXXXXXDISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.  XXXXACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM XXXXXXXXRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE XXXXTHIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. XXXX: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I XXXXREVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED XXXXDEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT XXXXTHE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES  XXXX(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS XXXXREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED  XXXXDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE  XXXXCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY XXXXINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. XXXX    FIRMLY, XXXX DELETE IN RECEIPT  AFFIANT XXXXLiving man far from being dead Beneficiary OF XXXX XXXX XXXX   not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
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 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I was going through financial hardship but had never missed or been late on any payment in my life. To avoid falling behind on my mortgage, I applied for assistance through my lenders Homeowner Assistance program, and they offered me a forbearance plan. I was told and clearly confirmed with their representative that forbearance meant I wouldnt need to make payments for a few months, and those paused payments would later be added to the total mortgage balance and recalculated into a new monthly payment plan. I was told my new payments would start in XXXX. 

However, after the forbearance period ended, I discovered that my mortgage servicer had reported me as being over 130 days late on my credit report. This was shocking because I followed their guidance and believed I was in an approved assistance program. When I contacted them, they told me this was just how their program worked and there was nothing they could do. If they had explained this upfront that I would still be reported as delinquent I would have never agreed to it, as it has seriously damaged my credit history. I feel misled and punished for seeking help the responsible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX - date filed XX/XX/year>XX/XX/XXXXXXXX bankruptcy has violated my rights. 

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

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