vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
Complaint Summary : I am filing this complaint against Edfinancial Services for inaccurately and illegally reporting a late payment to the credit reporting agencies ( XXXX XXXX XXXX XXXX ) while my student loan account was under an approved forbearance. 

Under federal law and guidance from the CARES Act and the Fair Credit Reporting Act ( FCRA ), this reporting is unlawful and must be corrected immediately. 

Details of the Issue : Servicer : Edfinancial Services Account Number ( if known ) : XXXX Date of Forbearance : Ends XX/XX/year> Date of Inaccurate Late Reporting : XX/XX/year> Credit Bureaus Affected : XXXX XXXX XXXX I was granted a forbearance period, during which no payments were due or required. Despite this, Edfinancial reported a XXXX late payment during the time my account was in active forbearance. This is in clear violation of : Applicable Credit Laws and Guidelines : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of credit information must report only accurate and complete information. Reporting a late payment during a legally granted forbearance period is factually incorrect and misleading. 

FCRA 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information. Allowing this inaccuracy is a failure in their duty. 

CARES Act Section 4021 ( Amends FCRA ) For accounts that were current at the time of forbearance or deferment, furnishers must continue reporting the account as current during the accommodation period. 

Relief Requested : I respectfully request the CFPB take the following actions : Immediately investigate Edfinancial Services illegal credit reporting practices. 

Instruct Edfinancial Services to remove the inaccurate late payment entry from all three credit bureaus. 

Enforce compliance with the FCRA and CARES Act, and prevent future inaccurate reporting during deferments or forbearance periods. 

Ensure that my credit report is corrected and returned to a status reflecting no delinquencies during the forbearance. 

This error has caused unjust damage to my credit score and reputation, and I seek immediate correction and accountability. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX Date : XX/XX/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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
b'I received a debit card from Wells Fargo. I have never opened an account with them. Wells Fargo bank is nowhere near I live or have lived.  When I called, they had my social security number. Plus try to get other personal information from me. The account was in my XXXX  XXXX, which I have not used since XXXX  of XXXX.  When I told them that I did not want to give more information, then they told me there was a checking account, but they cannot let me know how much was in the account currently. The debit card they sent me has a day purchase limit of XXXX XXXX and an ATM withdrawal of XXXX XXXX daily.  I talked to XXXX XXXX at the Wells Fargo number 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-24 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: FL

Complaint narrative:
I am disputing the reporting of my XXXX XXXX XXXX account ending in XXXX. This account was sold to XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> and should no longer show an active balance with XXXX XXXX. Per the Fair Credit Reporting Act, the original creditors listing should be updated to show a {$0.00} balance and status as " Closed. '' I have attached the sale notice confirming the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the reporting of my XXXX XXXX XXXX account ending in XXXX. This account was sold to XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> and should no longer show an active balance with XXXX XXXX. Per the Fair Credit Reporting Act, the original creditors listing should be updated to show a {$0.00} balance and status as " Closed. '' I have attached the sale notice confirming the transfer.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: RI

Complaint narrative:
In XX/XX/XXXX, I.C. Systems illegally and inaccurately reported XXXX new collection accounts to my XXXX  credit report. Both were listed as accounts opened with my former electric provider XXXX XXXX XXXX XXXXXXXX ) in XX/XX/XXXX and marked as currently XXXX XXXX late, which is impossible and entirely false. 

I have not had an account with XXXX XXXX XXXXXXXX since early XXXX. On a recorded call with them on XX/XX/XXXX, a representative confirmed the prior account was closed, no account was opened in my name in XX/XX/XXXX or since the prior one was closed in early XXXX, and even recommended I dispute it. The representative also confirmed that there was no way I would have been able to receive any written communication from XXXX XXXX XXXXXXXX as they did not have a current address for me. 

I never received any communication from I.C. Systems about this alleged debt. There was no notice of collection, no right-to-dispute letter, and no advance warning before the item was placed on my credit report- which violates the FDCPAs notice requirements. 

Even worse, I.C. Systems reported the debt as opened on XX/XX/XXXX, when no such account was opened. This appears to be a clear violation of the Fair Credit Reporting Act ( FCRA ) through inaccurate and deceptive re-aging of the debt to make it appear newer and more damaging. 

I disputed both accounts with XXXX. XXXX was removed ( on XX/XX/XXXX ) but the XXXX, for {$1800.00}, remains - despite being factually inaccurate, unverified, and illegally reported. 

I am requesting that this collection account be permanently removed from my credit report, as it is not valid, not properly reported, and was submitted in violation of both the FCRA and FDCPA.

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 2025-07-24 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX XXXX. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Remove these inquiries I dont recognize Identity Theft and Errors on My Equifax Report Dear Consumer Financial Protection Bureau ( CFPB ), Remove these credit inquiries from my Equifax report because I dont recognize them. I didnt give permission, I never applied for credit with these companies, and they appeared by mistake. Im a victim of identity theft, and someone else used my personal information without my consent.

These inquiries are unjust, and theyre hurting my credit and my peace of mind. I need your help to make sure Equifax removes them quickly and permanently. 

Unauthorized inquiries Equifax is reporting : XXXX ( XX/XX/year>2025 ) XXXX ( XX/XX/scrub>/2025 ) Laws being violated under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( f ) : No one may access my credit report without a legal, permissible purpose.

15 U.S.C. 1681c2 ( a ) : Once I submit proof of identity theft, Equifax must block that information within four business days.

Consumer Compliance Outlook 15 U.S.C. 1681a ( 4 ) : My private personal information can not be used or shared without my consent.

With this complaint, Im sending : My FTC Identity Theft Report Copy of my government-issued ID Proof of my current address What Im requesting : That Equifax deletes the two unauthorized inquiries listed above immediately.

That they confirm those inquiries will no longer harm my credit.

That they provide an explanation for allowing those inquiries without my authorization.

This situation is XXXX  and causing real damage. Please help restore the accuracy of my credit file and protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Purpose : Improper account closure and withheld funds despite verification efforts. 


> I deposited a tax refund check legally signed over to me by XXXX  XXXX  in person at my bank. Despite extensive verification effortsincluding updating his records in XXXX, XXXX XXXX, XXXX  and XXXX and daily attempts to confirm his identity via phonethe bank failed to validate the check in their system in timely manner. He has offered fingerprints and called himself daily to try to resolve. It has been a XXXX XXXX XXXX XXXX of daily attempts and the bank has subsequently closed my account. This unjust action has caused financial harm to me and my children, as the funds were payment for XXXX XXXX. The bank has offered no further resolution despite multiple direct inquiries with managers supervisors etc. I request that the bank be compelled to release the funds or return the check and provide documentation explaining the closure as it has negatively affected any future banking. Once again I have a XXXX  and XXXX children  this is affecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LEXISNEXIS
State: MA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I contacted PHH Mortgage Services on XX/XX/year> to request a short-term forbearance due to a temporary reduction in income. I was told to complete a Mortgage Assistance Application, which I did. I was told the application would be reviewed and that I would receive a decision. 

Weeks later, I was contacted by a mortgage counselor who said I needed to submit a new application including updated income information to reflect newly approved XXXX  XXXX. I agreed to provide the information, but I was never sent the new application or documentation to complete despite asking for it and being told it would be sent. 

As of today, over XXXX XXXX  have passed since my initial request, and I have still not received a decision or the correct paperwork. I have contacted the company multiple times by phone and email. On XX/XX/XXXX, I emailed both XXXX and XXXX with a formal escalation request. I received only an automated response, and nothing further. 

While I have stayed current on my mortgage until now in order to protect my credit, I have not yet made my XX/XX/year> payment because I am still waiting on a decision regarding my forbearance request. Despite this, I began receiving collection calls and texts as of XX/XX/XXXX, even though my application is in active review. 

I had a scheduled phone call with my assigned mortgage counselor on XX/XX/year>, and we are scheduled to speak again on XXXX, XX/XX/XXXX. During the XX/XX/XXXX call, I was told that a decision would not be made by the end of XXXX, and that my request still had to be reviewed by investors. The representative apologized but could not explain the delay or offer a clear timeline. I left the call with no additional guidance, and I do not expect the upcoming call to provide meaningful resolution. 

This prolonged delay and lack of communication has been XXXX, disruptive, and deeply frustrating. I have complied with every request made by the company and followed up multiple times, only to receive no meaningful response. I have only requested a short-term forbearance of XXXX XXXX, which I believe is entirely reasonable under the circumstances. It feels as though the process is designed to discourage borrowers from pursuing assistance. I am requesting immediate resolution and protection from credit harm while my application remains under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX, I received a communication from [ insert name of the debt collection company ] regarding an alleged debt. The notice failed to include the legally required statement that the debt would be assumed valid unless I disputed it within XXXX  days. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ) ( 3 ), which requires this notice to be clearly stated in initial communications or within XXXX days thereafter. Because of this omission, I was not properly informed of my rights or how to dispute the debt, and this could mislead or pressure consumers who are unfamiliar with debt collection laws. Actions Taken : I have not acknowledged or paid the debt, and I have kept a copy of the letter for my records. I am requesting that the company correct this violation and cease further collection efforts. Amount Involved : The alleged debt is for {$110.00}.

Company response to consumer: Closed with non-monetary relief