vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
am filing a formal complaint against Experian for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within 30 days. 

In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of XXXX pattern of misrepresentation and failure to ensure accurate reporting. 

I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws.

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 2025-04-22 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:
I am submitting a complaint to dispute several items that appear on my credit report. After reviewing the information, I have identified several discrepancies related to the status of certain accounts. I kindly request that you investigate these items and provide clarification or corrections as needed. 
XXXX XXXX XXXX XXXX * * * * * * Balance Owed : {$6200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8400.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8100.00} XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : {$11000.00} XXXX XXXX  * * * * Balance Owed : {$11000.00} XXXX XXXX XXXX * * * * Balance Owed : {$5100.00} XXXX XXXX XXXX * * * * Balance Owed : {$5200.00} XXXXXXXX XXXX  XXXX * * * * * * * * Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$490.00} XXXX XXXXXXXX * {$40000.00} XXXX XXXX XXXX * * * * * * * {$180.00} XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX * * * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$65000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint to dispute several items that appear on my credit report. After reviewing the information, I have identified several discrepancies related to the status of certain accounts. I kindly request that you investigate these items and provide clarification or corrections as needed. 
XXXX XXXX XXXX XXXX * * * * * * Balance Owed : {$6200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8400.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8100.00} XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : {$11000.00} XXXX XXXX  * * * * Balance Owed : {$11000.00} XXXX XXXX XXXX * * * * Balance Owed : {$5100.00} XXXX XXXX XXXX * * * * Balance Owed : {$5200.00} XXXXXXXX XXXX  XXXX * * * * * * * * Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$490.00} XXXX XXXXXXXX * {$40000.00} XXXX XXXX XXXX * * * * * * * {$180.00} XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX * * * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$65000.00}

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
On two separate occasions, my XXXX  mother and father, with whom I do not share any bank accounts or financial responsibilities with, were contacted directly and send unverified information about multiple collections accounts. I was also unaware that my debt was passed onto a different agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited a U.S. Treasury check into my business account with Bank of America on XX/XX/year>. The bank confirmed the check cleared and was credited to my account by XX/XX/XXXX. I received written notice that the funds would be available on that date. 

Since then, my account has remained under restriction with no access to the funds. I have called repeatedly and been told the account is still under internal review and that they are waiting on the IRS. I confirmed the check cleared, and that XXXX, transfers, and normal banking functions are still blocked. 

I was never given a formal Regulation CC hold notice or updated explanation. Secure messaging is disabled, and escalation emails bounce. As of XX/XX/XXXX, the funds are still frozen 23 days later. I believe this is a violation of funds availability rules, and I am requesting immediate resolution.

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 2025-04-22 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an official identity theft complaint and to request the immediate removal of all fraudulent, inaccurate, and derogatory information from my credit and banking records that has resulted from this criminal activity. The following fraudulent entries and inquiries have been discovered on my XXXX and XXXX reports, all of which I have attached supporting documentation for : Fraudulent Accounts and Inquiries : 1. XXXXXXXX XXXX XXXX XXXX Personal Loan Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Credit Card Inquiries XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Collections Account {$340.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collections Account {$1000.00} Opened XX/XX/XXXX XXXX. XXXXXXXX XXXX ( XXXX XXXX XXXX  Account {$490.00} Opened/Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Overdrafts {$1000.00} Closed XX/XX/XXXX These entries were not authorized or initiated by me and represent clear evidence of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
I am filing this complaint due to misleading financial practices involving student loans serviced by MOHELA and originally directed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I was advised by the school to take out student loans through XXXX. I was not given clear cost estimates or warned about predatory interest terms. I have since discovered that my payments were misapplied, interest accrued aggressively, and my balance has ballooned to over {$160000.00} with more than {$150000.00} in interest alone. Despite making regular payments, almost none of my principal has been reduced. 

Additionally, these loans were taken out under false pretenses. The schools falsely claimed full accreditation and guaranteed transferability, which was later proven untrue. I had to retake courses after transferring and pay out of pocket again. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Optio Solutions, LLC
State: OR

Complaint narrative:
The only thing I ever did with the business was submit an application for a unit I wanted back in end of XXXX of XXXX. In which a few weeks later a {$250.00} deposite would be pulled from my account without any consent or notice. I asked for a refund which I got since I had found another property which to rent from. Now almost 18 months later I get a notice that owe a fee/ I have unpaid charges. Which I find absurd because I never lived at the residence. Ive tried contacting them by email. And left voicemails but I have not gotten any responses and its been 2 months not. Which is affecting my life, its affecting my credit score. Which I find incredibly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/year>, my legal representative, XXXX XXXX XXXX, XXXX, sent a formal debt validation request to Midland Credit Management. The letter disputed the debt under the Fair Debt Collection Practices Act ( FDCPA ) and demanded full validation pursuant to 15 U.S.C. 1692g, including original contract, chain of assignment, payment history, statute of limitations, and balance breakdown.

It also instructed Midland to cease all communication with me and direct all future correspondence to XXXX XXXX at The XXXX XXXX address. This request was issued under 15 U.S.C. 1692c ( c ), which prohibits further contact with the consumer when instructed in writing.

Midland never responded to the validation request and did not provide any documentation. Instead, on XX/XX/year>, they sent a new collection letter directly to me, in direct violation of the FDCPA. 

I am an XXXX recipient with no disposable income. Continued collection attempts are not only unlawful, but they also target protected income and create undue hardship. 

I am requesting regulatory enforcement, debt removal, and investigation into their noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-22 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 XXXX  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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX our mortgage loan was moved to Mr. Cooper. The payments are due on the first day of each month. We set an automatic payment to be sent from our bank account on XXXX of the previous month to make sure it is received by the XXXX. 
The first payment was due XX/XX/XXXX ; our bank sent it on XX/XX/XXXX and Mr. Cooper shows it as received on XX/XX/XXXX. The payment for XX/XX/XXXX was sent by the bank on XX/XX/XXXX and was not applied to the balance due on XX/XX/XXXX. The late fees were assessed. The payment for XX/XX/XXXX was sent by the bank on XX/XX/XXXX and was applied to the balance on XX/XX/XXXX. 
On XX/XX/XXXX I called Mr. Cooper customer care and told them that I have verification from the bank that all payments were made on time and that the payment for XX/XX/XXXX was missing. They told me to submit a request via email. I did. 30 days later they applied the missing payment ; however, they did not take late fees off that were caused by the missing payment. On XX/XX/XXXX our bank sent a payment for XX/XX/XXXX ; on XX/XX/XXXX Mr. Cooper deposited it back to our bank account ; on XX/XX/XXXX I went on Mr. Cooper 's website and made the payment for XX/XX/XXXX again ; it was posted to the account on XX/XX/XXXX. On XX/XX/XXXX I sent an email to a resolution team asking to take the late fees off. They took one late fee off and refused to take the second fee off stating that we were late. 
On XX/XX/XXXX our bank sent a payment for XX/XX/XXXX, it still has not been posted and Mr. Cooper sent as a statement showing previous balance for the payment due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received an email offering 0 % credit card and it stated if I applied I would be approved by accepting the offer. Applied and ended up not getting the offer which makes no sense. Contacted the bank and they simply denied to approve the offer they sent me. Now I have a credit inquiry on my report without cause

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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I'm trying to pay off my student loans with a single overpayment. The form for submitting a payment on the Aidvantage site does not work. It just gives a generic error from the server ( " Were sorry an error occurred. Please try again. " ). 

When I informed Aidvantage, they instructed me to clear my cookies and cache, which I did. This had no effect. Looking at the response from their web server to the payment request, it appears this error is on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
Bought a pair of eyeglasses from a store called XXXX and paid with an XXXX account on XX/XX/XXXX. Received the glasses, and they came from XXXX and were incorrect and not made correctly. I wanted readers, and they sent something else. Spoke to XXXX at XXXX and was told if I sent the glasses back and called them back with my tracking number, they would send out my readers. I called XXXX back, gave them my tracking number, and never received my readers. 
The tracking information from the store was just typed up information, no real tracking information from a reliable source. Yawen tracking service lied and said they delivered my glasses in my mailbox at my apartment, but they can not get in my mailbox without a key that I have in my possession, and my building is secure ; you need to be buzzed in to get inside the building. 
Called my bank and did a charge-back, which I received from one credit card. But XXXX, which is now owned by Cash APP, will not take the credit cards off their website and blocked me from making any transaction to remove them from the website. XXXX is still trying to get me to pay for an Item not received by the vendor. I have disputed with both places without success. I explained to them that I would not pay for merchandise I did not get back from XXXX. Someone called by the name of XXXX from XXXX on XX/XX/XXXX and said she needed information from me about my account, but refused to give a number or address from where she was calling from, After I gave her my correct information, I refused to give out any more information to keep from being scammed over the phone since she refuse to give me information. 
XXXX has no telephone number where they can be reached if a problem arises from a sale, so it is hard to communicate with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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