vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard.

Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 
Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  attached is my actual letter that explain and show inaccuracies and viiolations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from my mortgage company, PHH Mortgage Services that stating my current insurance company no longer met their guidelines. 
I had no choice but to cancel my homeowners and auto policies with XXXX XXXX XXXX whom I had a long time relationship with since XXXX. 

My canceled insurance was effective XX/XX/XXXX. I obtained a new homeowner insurance policy with XXXX XXXX XXXXXXXX. 

My mortgage company is requiring me to pay for a " gap in insurance coverage '' for the period in time from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX The time period I was covered undeXXXX XXXX XXXXXXXX. PHH Services states since my prior insurance does not meet their standards I need to pay for the gap in insurance coverage. I have no choice but to have them provide insurance for this gap. A total of {$66.00} to cover XX/XX/XXXX to XX/XX/XXXX. 

I have provided proof of insurance coverage for this time with XXXX XXXX since my policy term originally was XX/XX/XXXX - XX/XX/XXXX. 

My proof was unacceptable since PHH continues to assert my insurance did not meet their standards per their policy. 

I am contesting this forced gap insurance since I was not given prior notice in a timely manner. I only received a letter dated after the fact, XX/XX/XXXX. I actually received the letter a few days later. I acted upon the letter as soon as feasible for my schedule, which ended being XX/XX/XXXX. 

How should I be held responsible for obtaining additional acceptance insurance for a period of time that was elapsed already? 

I had appropriate insurance coverage with XXXX XXXX and was forced to cancel by PHH, through no fault of my own. 

And now I am forced to pay for the gap of coverage? This decision by PHH is unnecessary and unreasonable. 
I asked for their written policy and was refused. 

I feel this decision by PHH Mortgage is deceptive confusing, and feels like just a cash grab. As a consumer, I feel there is no recourse here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I already requested the of these fraudulent accounts and I assume that it wasn't remove in error of your company Transunion. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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. 

This includes the following hard inquiries listed below. 

TRANSUNION HARD INQUIRIES XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MOHELA
State: CO

Complaint narrative:
I am filing this complaint regarding the unauthorized access and potential misuse of my personal financial information by the XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX ), led by XXXX XXXX. Recent reports indicate that XXXX gained access to sensitive borrower data, including Social Security numbers and income details, through the U.S. Department of Education. 


I am a federal student loan borrower, and my personal data is stored within the Department of Educations loan servicing system. Reports indicate that XXXX  has been granted access to student loan records, potentially without proper borrower consent. I am concerned that my personal and financial information has been accessed without authorization, violating my privacy rights. This data breach could expose me to identity theft, financial harm, or unauthorized use of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I applied for and was approved for a boat loan through USAA. Shortly after, I realized that the dealership I was working with had miscalculated the pricing on the boat I was purchasing. I decided to cancel the loan on the same day ( XX/XX/year> ) before any funds were used. 

USAA representatives informed me that the canceled loan ( s ) would be removed from my account within one to two business days. However, it has now been significantly longer, and the loans are still showing on my account and credit report, preventing me from securing a necessary auto loan. 

Since XX/XX/year>, I have made multiple calls to USAA ( at least 5 separate times ) to request that the canceled loans be removed from my account immediately. Every time, I was told that there is nothing we can do except wait. 

How This Has Harmed Me Financially : These loans, despite being canceled, are showing as active on my credit report and are inflating my debt-to-income ( DTI ) ratio, leading to my denial for an auto loan on XXXXXXXX XXXX 
I currently have over {$100000.00} in boat loans still appearing on my record despite never using the funds. 
USAAs failure to act within the promised timeframe has put me in a position where I can not move forward with essential financial decisions. 
My Request for Resolution : I am asking for immediate removal of these canceled loans from my account and credit report, as they are incorrectly affecting my ability to secure other financing. USAA must also provide an official written response explaining why these loans have not been removed as promised and offer a resolution. 

I have exhausted all direct communication with USAA, and they continue to delay action. Their inaction is now causing direct financial harm.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: ID

Complaint narrative:
The company for my student loan is Nelnet. 

I was never notified that my loan payments started being due in XX/XX/year>. Last I spoke with a representative about a year ago, I was informed that my loan would be put into deferment. When I spoke with a representative recently, they informed me that the federal pause on student loan repayments ended in XXXX XXXX XXXX and I was required to make payments then. 

However, I was never notified of this and was completely unaware. 

In XXXX, my credit score suddenly went down nearly XXXX points overnight, even though I've never had a late payment on my account. 

When I called Nelnet to speak with them they said that they called me multiple times ( I never received any calls from them even though they had my correct phone number ) and sent me emails notifying me, but I never received any correspondence. When I asked for proof of these emails, they shared that they didn't have access ( this was really strange ). They also said that they wouldn't do anything about it. 

These late payments need to be removed from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Midland Credit Management , Inc . 


Subject : Cease and Desist Demand Regarding Alleged Debt Collection Activities Dear Midland Credit Management, This letter serves as a formal Cease and Desist demand regarding your repeated attempts to collect an alleged debt that is either unverified, time-barred, or otherwise legally unenforceable. Your actions may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and relevant state consumer protection laws.

Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the alleged debt, including phone calls, letters, emails, or third-party contact. If you believe you have legal grounds to pursue this matter, you must provide valid proof of the debts origin, assignment, and enforceability. Any failure to comply may be considered a violation of federal law.

Violations and Legal Precedents Your collection practices may be in direct violation of the FDCPA and other applicable laws, as illustrated by the following case law : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) XXXX that a debtors request for validation requires the collector to produce substantive evidence of the alleged debt. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Establishing that attempting to collect a time-barred debt is an FDCPA violation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirming that misleading or deceptive representations in debt collection are illegal. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) Recognizing that attempting to collect a debt beyond the statute of limitations violates the FDCPA. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Affirming that all debt collectors, including attorneys, are subject to the FDCPA.

Potential Legal Consequences Continued collection efforts in violation of the FDCPA or without proper validation will force me to take legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal action for damages, statutory penalties, and attorney fees. Final Warning This letter serves as my final warning. Any
further collection efforts without proper legal validation may result in a lawsuit against your company. I require written confirmation within 30 days that you have ceased all collection activities regarding this alleged debt. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
About XXXX XXXXXXXX XXXX  ago, I discovered that my daughter was stealing money from my account. I only added her while I was in the hospital so she could help pay my bills. However, she started stealing money from my accounts and I went to Wells Fargo and, with the assistance of a large XXXX XXXX XXXX there, we closed my accounts and credit card and debit card and she said she took my daughter off of all accounts and opened new accounts for me she said without my daughter being on them. However, I just learned on XX/XX/2025, that my daughter is still on my new accounts and she has been stealing from me again to the tune of over {$16000.00} which was automatically charged to my credit card associated with my checking account. I have never used my credit card. I never received any notices of my daughter 's charges on my phone and I learned from Wells Fargo that my daughter turned off all notices being automatically sent to my phone. I have talked to XXXX, the XXXX  XXXX at Wells Fargo in XXXX, Texas and he won't waive the credit card charges that were due to his employee 's error, who never did what she said she was doing. And that employee is no longer with Wells Fargo. I don't remember her name but the manager has acknowledged that she was there. I can show that my accounts were all closed and news ones opened and why would I have done that unless there was a problem with those accounts? The banker suggested to me that we close my old accounts and open new ones and that was the best way to get my daughter off my accounts. Now I have learned that the banker didn't do what she told me she was doing. Wells Fargo has offered me {$500.00} to settle their $ XXXX mistake. They need to waive the entire credit card bill, which were not my charges and only on my account because of their negligence.

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 2025-03-17 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-17 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: GA

Complaint narrative:
I would like false inquiries to be removed from all three credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
To whom it may concern, I want to report that XXXX XXXX, an un-elected official, and his team of little boys who were also never elected, sworn-in, or authorized to access my private and personal information concerning all of my student loans - accessed my private and personal information regarding all of my loans. XXXX, as a non-governmental entity - not legally created nor provided for in any legislation- VIOLATED my privacy by accessing my data through the department of education. 

Because of this contemptable breach of my rights and unprecedented circumstances, I am formally requesting complete and total forgiveness of all my student loans due to this egregious violation of my rights. If your department still stands for freedom, democracy, and protection for all consumers, I implore you to stay true to the foundational principles of your department and forgive the entirety of my student loans. 

Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 2025-03-17 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: TX

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