vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance Owed : {$16000.00} - Late/Closed

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
To whom it may concern I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Must and Ferpa : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises Rights and Privacy Act ( FERPA ) due to unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing and I demand immediate corrective measures. 

1. Immediate investigation-A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure-A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Resotroation & Rectification -Immediate correction of any unauthorizedc deletions, accompanied by a written statement confirming all corrective actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
identify you and your account. 
Experian has failed to fulfill its legal obligation under the Fair 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-20 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: FL

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek 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 2025-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I qualified for a rate deduction of 2 % my mortgage loan it XXXX at 3,25 %. I know 3.25 % is good but 2 % is better it would save me about {$300.00} a month. That is huge for me. I have sent Planet Home Lending in XXXX XXXX  at least XXXX several page packs with my financials and the 2 % gov program. They refuse to give me 2 %. PHL is just a co that collects the payment why should they care what interest rate I get?? Please help me get 2 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information appearing on my EQUIFAX credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that this fraudulent account be blocked and permanently removed from my credit file. 
This following account has been fraudulently reported and must be DELETED IMMEDIATELY : XXXX XXXX XXXX Account Number : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request. 
I have made multiple attempts to resolve this issue directly with EQUIFAX, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for this account, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of this fraudulent account, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of this account. 
I expect written confirmation of the removal of this fraudulent account from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. 
Thank you for your prompt attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
Subject : Complaint Regarding Reinserted XXXX  XXXX Account on Credit Report Without Notification Dear Sir/Madam, I am writing to file a formal complaint against Equifax for re-inserting a XXXX  XXXX account ( Account Number : XXXX ) onto my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper notification regarding any re-insertion of accounts that were previously removed. 
The account in question was re-inserted onto my Equifax credit report with the following details : Account Number : XXXX Balance Owed : {$550.00} Date Reported : XX/XX/year> Account Status : Closed Remarks : Account previously in dispute now resolved by data furnisher However, I was not notified of the re-insertion as required by law, both five days before or five days after the re-reporting. This failure to notify me is a violation of 15 U.S. Code 1681s-2 ( b ) ( 23 ) of the FCRA. Additionally, if this account was being handled under debt collection practices or was previously in dispute, there may be further violations under FDCPA 809, which requires that I be notified regarding any validation of the debt or re-insertion of the account. 
Please investigate this matter and assist me in ensuring that the proper procedures are followed by Equifax. I request that they provide proof of the notification or take immediate action to correct this issue by removing the account once again if they can not comply with the regulations. 
I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
In response to my initial complaint, Sentry Credit stated that they emailed validation on XX/XX/year>2025, through an unauthorized encrypted portal that went directly to spam. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, debt XXXX are required to provide clear and accessible debt validation. Sending it through an unsecured, third-party encrypted portal does not meet this requirement, as I explicitly requested validation through standard mail. 

Additionally, Sentry Credit claims they had no valid mailing address on file, but they reported this debt to the credit bureaus on XX/XX/year>2025, without first properly verifying itwhich is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2 ( a ) Sentry Credit has now claimed to cancel the account, which further proves that they could not validate the debt properly. However, this debt remains on my credit report, and their actions have caused harm. 
Debt XXXX must not report a debt to the credit bureaus unless it has been properly validated. Since they claim to have validated the debt through a non-standard, inaccessible method, they failed to comply with this requirement. 

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a company can not furnish inaccurate or incomplete information to a credit reporting agency.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a company can not furnish inaccurate or incomplete information to a credit reporting agency.

FDCPA Violations : Up to {$1000.00} per violation ( 15 U.S.C. 1692k ).

FCRA Violations : Negligent Noncompliance : Actual damages + attorneys fees ( 15 U.S.C. 1681o ).

Willful Noncompliance : Actual damages or statutory damages ( up to {$1000.00} ), plus punitive damages and attorneys fees ( 15 U.S.C. 1681n ).

1. Immediate deletion of this account from my credit report.

2. Written confirmation that this account has been permanently closed and will not be sold to another debt collector.

3. A statement acknowledging Sentry failure to validate the debt prior to reporting it, in compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: WI

Complaint narrative:
XXXX This is the previous complaint that I sent. I got a response back stating that its on the buyers guide for the XXXX XXXX  and the XXXX that I did not purchase. Its not even on the buyers guide for the {$2900.00}. Ive been fighting it for two years I have also Talked with the DOT the state department and they also investigated it. And XXXX XXXX  couldnt provide the work order for the felon paint or lokackThey did not give me copies that my car was in a car accident so this is unacceptable so I want the proof of that. You can ask the state. The state also looked into it so how was global lending services l not taken care of this I should not have to pay for something I never purchased and to be fight this for 3 years never asked them to Cancel The power train warranty. I have never had XXXX XXXX or the low check its not on my buyers guide and the XXXX XXXX also investigate that that is not my signature but I dont have tons of lawyers to fight it so why is it that XXXX the general manager at XXXX XXXX said he would refund me the full amount even told the state that I have a voicemail proving that and I have emails It is fraudthat they charged me for so have them show me the work order and again its not on the buyers guide and I uploaded the buyers guide to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was charged a overdraft fee, even though I had the balance. The machines are down all the time, and it always shows everything late. I put a {$110.00} in my account, because I had a {$100.00} credit card payment coming up. The {$100.00} showed on my account. It was there. I had more than enough in my account, but I was still charged a fee. And somehow I still have a {$5.00} balance, even though it was a overdraft. That makes no sense. When I called they said because I put it in the evening, it didnt count into the next day. I know for a fact it was posted, because I have the email and message. Im pretty sure this is legal. This isnt the first time this happened, but they usually refund me. This time they said they wouldnt do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I sold a home, closing was on XXXX that was financed through CrossCountry Mortgage and as of today, XXXX XXXX, have NOT received the escrow money funds! 

I have reached out to XXXX XXXX who was my XXXX  XXXX and the XXXX contact she gave me was NOT the right person or even department. 

After receiving tge run around from her, XXXX at the XXXX TX office, XXXX from same office I am now resigned to seeking legal assistance! 

The service Ive received over this short time period of time from the XXXX  XXXX to XXXX and XXXX has been less than adequate or professional!!!!! 

I will enclose an email from XXXX XXXX from CrossCountry Mortgage explaining that when I made my last attempt to get this resolved I left a message for the wrong person!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

Please promptly eliminate the late payment and UPDATE this account immediately. 

XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$620.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX  XXXX  Balance Owed : {$800.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$860.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a collection account item from XXXX XXXX  XXXX that remains on my credit report. Per the payment agreement that I made with XXXX and their partner, XXXX XXXX, upon complete payment, the collections account would be removed and deleted from my credit report. The account is paid and has been deleted from XXXX and is pending on XXXX. Experian refuses to delete the item.

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 2025-03-20 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: NJ

Complaint narrative:
Mortgage pmt with XXXX is due on the XXXX each month. They erroneously set up the due date as the XXXX in servicing. Based on the statements from XXXX, I was not 30 days late in the past 12 months. Also is an email confirmed they had the incorrect due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
Mortgage pmt with XXXX is due on the XXXX each month. They erroneously set up the due date as the XXXX in servicing. Based on the statements from XXXX, I was not 30 days late in the past 12 months. Also is an email confirmed they had the incorrect due date.

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 2025-03-20 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: NJ

Complaint narrative:
Mortgage pmt with XXXX is due on the XXXX each month. They erroneously set up the due date as the XXXX in servicing. Based on the statements from XXXX, I was not 30 days late in the past 12 months. Also is an email confirmed they had the incorrect due date.

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 2025-03-20 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-20 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: CO

Complaint narrative:
My Direct Consolidated Unsubsidized loan for the amount of XXXX that is serviced by XXXX was forgiven on XXXX XXXX,2023. At that time the account was closed and removed from all credit bureaus. It came to my attention that this loan has been reopened and back on my credit report. This has dropped my credit score by XXXX points. I am not able to access my old account on the XXXX website. Contacted XXXX and they confirmed that my loan does have a XXXX balance and is closed. It also shows a XXXX balance on studentaid.gov website. XXXX did not offer to do anything to help have this removed or updated on my credit reports. I have filled disputes with Transunion and XXXX and are still awaiting results. XXXX still shows that this account is closed and XXXX balance. XXXX is falsely reporting this account as open and with a balance of XXXX balance which is inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief