vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted letters to equifax several times demanded how the investigation was conducted and completed and I never received anything back from them. There are several credit laws that was broken and nothing is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy. 
account number XXXX from 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 explanation
Consumer complaint received 2025-05-04 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
This letter serves as a formal notice of dispute and demand for immediate removal of the above-referenced account, which you are falsely attempting to collect on and/or have reported to the credit bureaus. 

This alleged account does not belong to me. I am demanding that you cease all collection efforts and remove this account from your records and any credit reporting agencies immediately, as you are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, for making false, deceptive, and misleading representations in connection with a debt. 

You are hereby given XXXX business days from the date of this letter to provide all of the following documentation, or this matter will be escalated to litigation : A copy of the complete Bill of Sale or assignment agreement from the original creditor proving legal transfer of the alleged account to your agency. 

A full audit trail showing the chain of custody and account history from origination to present. 

A copy of a written agreement or contract bearing my original, wet-ink signature proving that I had any obligation to the alleged creditor or to you. 

Proof of your authority to collect in my state, including your license or bond information, if applicable. 

If you fail to provide all requested documents within XXXX days, I will consider your actions to be a willful violation of the FDCPA, and I will pursue legal action against your agency for damages, attorney fees, and punitive relief, including complaints filed with the CFPB, FTC, and my State Attorney General. 

You are further notified to cease and desist all collection activity on this alleged account immediately. Failure to do so will result in legal consequences.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within XXXX  days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment. 




XXXX  has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I had no improvement on my credit nothing came off my credit my credit was never improved at all I paid for years for nothing my credit was stolen my name and personal information was stolen my credit and name is ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have multiple inaccurate and fraudulent accounts being reported on my credit report, including a charge-off from a credit card company, several federal student loans I never authorized, and a collection account from a debt buyer. Ive disputed these accounts with the credit bureaus multiple times, but they continue to report them as verified without providing any actual documentation or investigation. 

The accounts were opened between approximately XXXX and XXXX. The amounts range from a few XXXX to several XXXX dollars. I recently filed an FTC Identity Theft Report and am requesting the removal of these accounts under FCRA Section 605B. 

I have not been shown any signed contracts or supporting documents just updated credit reports with the same inaccurate information. The credit bureau has failed to meet its obligation to conduct a proper investigation and must correct or delete the unverifiable items I also have unauthorized hard inquiries and inaccurate addresses

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion failed to investigate or respond to dispute within 30 days. On or around two weeks ago, I submitted a written Method of Verification letter to TransUnion requesting validation of the following accounts : XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

I included all of the necessary documents including my full name, Social Security Number, date of birth, address, copy of my government issued ID, and proof of address. As of today, I have not received ANY written update, investigate results, or confirmation that the accounts were reviewed. TransUnion has violated the Fair Credit Reporting Act ( FCRA ), which requires disputes to be investigated and responded to within 30 days of receipt. I followed up with a second letter to demand compliance and have yet to receive an appropriate response. These accounts remain on my report without proper verification.

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 2025-05-05 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I am disputing the collection account reported by Ability Recovery Services, account # XXXX. I have no known knowledge of having any debt with this agency, and I have never received any written validation or documentation of this alleged debt. To my knowledge, I have not entered into any agreement with this company, nor have I received any bills or notices regarding this matter. I respectfully request that this account be investigated and removed from my credit report if validation can not be provided.

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 2025-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Toyota Financial Services for continued and unlawful credit reporting activity that appears to violate both federal law under the Fair Credit Reporting Act ( FCRA ) and Californias statute of limitations regarding the collection and reporting of consumer debt. 
The debt in question, Account Number XXXX, in the amount of {$9200.00}, has been charged off and is still being reported on my credit file. The most concerning issues are : Stale Reporting Beyond 7 Years : The FCRA ( 15 U.S. Code 1681c ( a ) ( 4 ) ) states that most negative information, including charge-offs, must be removed from a consumers credit report seven years after the date of the first delinquency that led to the charge-off. 

On my XXXX  report, the date of the last delinquency is listed as XX/XX/XXXX. Therefore, reporting this account beyond XX/XX/XXXX would violate federal law. Status on Credit Bureaus show reporting not beyond XX/XX/XXXX. 

However, inconsistencies exist across credit bureaus XXXX  and XXXX show different delinquency dates, which raises serious concerns about the accuracy and compliance of Toyota Financials reporting practices. 

Violation of Californias Statute of Limitations : Under California Code of Civil Procedure XXXX, the statute of limitations for written contracts is 4 years. The last payment or delinquency occurred in XX/XX/XXXX, making this debt time-barred in California as of XX/XX/XXXX. Continuing to report or attempt to collect this debt may be considered deceptive and unlawful under state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Update in Supplemental complaint in last paragraph I am submitting this supplemental complaint regarding a disputed Wells Fargo auto loan repossession and related credit reporting issues. The following new facts support my request for further investigation : The vehicle was not located in an open parking lot as claimed by Wells Fargo. It was parked in a secured, enclosed garage requiring a key fob for entry. This renders the repossession unlawful due to breach of peace under UCC 9-609 and Texas law . 
The 'Notice of Intent to Sell ' was dated XX/XX/XXXX, XXXXafter the vehicle had already been repossessed on XX/XX/XXXX. This timing violates XXXX XXXX XXXX XXXX Code 9.611 ( b ), which requires notice before disposition. 
A deficiency balance of {$27000.00} was applied on XX/XX/XXXX, yet the vehicle sale reportedly occurred on XX/XX/XXXX. This inconsistency raises concerns about the accuracy and legality of Wells Fargos accounting. 
No supporting sale documentation ( e.g., buyer details, invoice, or proof of sale amount ) has been provided, despite requests. 
The GAP refund of {$500.00} is undocumented. No copy of the GAP agreement or refund calculation was provided. 
Photos of the garage and enclosures were sent showing the garage was secured, contradicting the claim that it was freely accessible. 
The letters referenced by Wells Fargo, including the Strict Compliance, Notice of Intent to Sell, and Deficiency Demand, were all mailed to an address ( XXXX XXXX XXXX ) where I was no longer residing. This is evident given the repossession took place at my actual residence at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. This further undermines the validity of their claim that proper notice was given. 

I respectfully request the CFPB to compel Wells Fargo to provide all supporting documentation for the repossession and revise or remove the tradeline from my credit report in light of the procedural and legal inconsistencies outlined above.

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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
My name is XXXX XXXX SS # XXXX. In XX/XX/year>, Mohela gave XXXX XXXX and DOGE unrestricted access to my student loan information. I did not give Mohela permission to give XXXX XXXX access to my student loan and additional personal information related to my Student Loans. My student loans contain information related to my employer, my cell phone number and the colleges that I attended as well as other financial information. I am requesting that my student loans are forgiven due to Mohela 's egregious disregard for the handling of my student loans and associated personal 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 2025-05-05 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: UT

Complaint narrative:
Thank you for giving me a voice to express concern and frustration. For the last 15 years, I have tried DOZENS of times to dispute the amount that the student loan people have been charging me. 

I graduated college in XXXX and my wife, likewise, graduated in XXXX. Shortly thereafter, we combined our loans. In XXXX, I even went through bankruptcy and was told student loans were off-limits. I am a XXXX XXXX and have good number-sense, so in the early XXXX 's, I felt that the interest and totals I was being charged for were inaccurate. I started making calls and got nowhere. 

Not knowing the details of the law, in about XXXX, I wrote a letter asking if this was something that could be settled ( like an IRS bill ), explaining that I was nearing retirement age and may be no longer able to pay the full amount, to which I never received a reply. 

In XXXX, my wife applied for and was approved for a XXXX discharge. After the payments were resumed, there was no lowering of the amount of our combined loan. I made several calls about this and asked for proof that my wife 's portion of the loans were actually discharged from our combined loan. 

In XXXX, they sent me a redacted promissory note that shows all of the individual loans that were added to the combined loan, but any dates or colleges that they are tied appear to be redated. I made literally dozens of calls since that time that got nowhere. 

When I bought my current house in XXXX and again when I refinanced in XXXX, I even had to have the student loan people verify to the mortgage loan people that my loans were in dispute so that I could obtain those loans. 

After my loan was transferred to another servicer - YET AGAIN - I asked for proof and they sent me the same exact redacted promissory note. 

Because of the runaround, and the multiple changes to my loan servicer over the years, it is my feeling that the student loan people have no way to actually prove the exact total of student loans, an accurate accounting of any payments I have made, an accurate accounting of interest accumulated, nor any proof that my wife 's loans were actually removed from the account. 

In the civilian world, this would be grounds for breach of contract and voiding of the loan ( s ). I've had several lawyers tell me I have an easy case to win, but I do not have the means to do so, so I am depending on you fine folks to make this situation right. It should not be legal for the government to send me a bill for a loan that they can actually prove I owe. 

Thank you for your time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Financial Data Exposure and Reporting ( XXXX XXXX XX/XX/year> ) Dear Consumer Financial Protection Bureau XXXX I am filing a formal complaint regarding the unauthorized access and/or misuse of my personal financial data, specifically involving my student loan records and credit reporting, during or around XX/XX/year>. 

The incident appears to involve or stem from external activity associated with XXXX XXXX and the XXXX ( XXXX ) development team, who are alleged to have accessed or interacted with consumer data through decentralized platforms or integrated systems. I did not consent to the use, sharing, or exposure of my data to any crypto entity or unaffiliated financial platform. 

As a result of this breach or unauthorized access : My student loan details were improperly exposed Inaccurate information may have been transmitted to the credit bureaus I have experienced distress and potential reputational harm I did not authorize the sharing of my data with any external blockchain, cryptocurrency, or financial technology entity. The exposure has resulted in distress, confusion regarding my student loan status, and negative implications for my credit reporting. 
Violating Parties ( as known ) : XXXX XXXX ( individual/entity ) DOGE cryptocurrency developers Associated Press XXXX XXXX : XXXX Potential Source of Disclosure : Aidvantage, Account # XXXX, XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX Stafford Subsidized Aidvantage, Account XXXX XXXX, XXXX XXXX University o XXXX Direct Parent Plus o XXXX Direct Parent XXXX XXXX XXXX Direct Parent Plus o XXXX Direct Parent Plus o XXXX Direct Parent Plus This incident may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and CFPB consumer data protection standards, particularly concerning the misuse or transmission of personal financial records without consumer authorization. 
Requested Resolution : Investigation into any third-party access or use of my personal loan/financial records Correction of any affected credit entries Written explanation of any findings and steps taken to protect consumer data going forward

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