vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company is not responsive but continues harassment. Police report has been provided several times, as so request for removal of National Credit Systems from Credit report, but the third party continues harassment illegally. Consumer is not responsible, as so surely not for compensating the third party who paid off the debt knowing this is IDENTITY THEFT OF Consumer. When consumer had reached out before, an XXXX XXXX  lady answered and was really unprofessional telling consumer " You're gon na pay this debt. ", and disconnected the call. Consumer provided information that her social security number isn't attached, yet her ID was allowed to be used anyway. Company wouldn't proved again when asked by consumer to provide that other social in writing. It cleary was NOT the consumers social security number. DELETE/REMOVE THESE ITEMS IMMEDIATELY FROM XXXX XXXX XXXX XXXX ALSO IF NOT ALREADY DELETED. Ensuing the lawsuits against these Credit Bureaus, these deletions need to be resolved with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : EXPERIAN EQUIFAX, TRANSUNION, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : EXPERIAN EQUIFAX, TRANSUNION, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This complaint is specifically about Aidvantage, the federal loan servicing brand operated by Maximus Federal Services, acting on behalf of the Department of Education. 

In XX/XX/year>, I saw a XXXX drop in my credit score. Upon investigation, I discovered that my federal subsidized student loan had been transferred to Aidvantage and reported as delinquent, even though I had never received any notification or billing communication.

I had never heard of Aidvantage before this. When I attempted to create an online account using my correct Social Security Number and Date of Birth, their website said no account could be found. I tried multiple times. When I called their automated line, I was disconnected each time after entering my SSN. I had no way to make a payment, review my account, or know what was due. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I was finally able to reach a live agent named XXXX XXXX by refusing to enter my SSN on the automated line and repeatedly saying I dont have it. On the call, XXXX confirmed that Aidvantage had an outdated address and email on file both from over 8 years ago. She confirmed I had never accessed my account, and that the phone system had indeed been dropping my calls. She admitted I was never properly notified of the transfer or how to access my loan but said it was documented in their system and I would gain access to it upon creating an account. 

Then, during the same call, she falsely claimed I had contacted them earlier on XXXX and consented to something. I explained this was my first call ever. She then retracted her claim upon being pressed and confirmed that we were speaking for the first time and log was from our current call. 

Despite all this no access, no notice, and no communication she refused to initiate a correction to the credit bureaus, stating Aidvantage was not at fault and implying I was responsible. I told her I had documented the phone system failure and my access attempts, and that I would be filing this complaint. 

I had no working email or address on file, no login credentials, no billing info, and the system would not let me in. Reporting me delinquent under these conditions is unfair and violates my rights under the Fair Credit Reporting Act. I am asking for this to be fully investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is in response to my last 4 complains!! They did not respond to my issue at all. First for two years I have been paying religiously on the XXXX XXXX of each mos with 30days behind due to the fact that they increased my mortgage double due to homestead taxes. Therefore is been impossible to catch up. Second how do they just randomly say after 2 years now on XX/XX/XXXX with only 60 days behind and ready to pay 1 months that would have brought my account back to 30days behind and said not to pay but to pay 2mos. Why??? Also the shortage of escrow was also not addressed why spread over XXXX mos and now decide to only spread for XXXX. Where is the logic or explanation? You do not work with the homeowner, you want my house because of my equity. I will not be silent. I ask cfbp to please look deep into my account, there has been injustice. My mental stautus is weak, i am in fear of being homeless. Please Help

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Citi Bank for repeated phone calls claiming I owe a balance related to an unauthorized transaction on my bank account. I have previously contacted Citi Bank to dispute this transaction, which I did not authorize, and yet the issue remains unresolved. 

Despite my attempts to clarify the situation, I continue to receive harassing phone calls demanding payment. This has caused undue stress and appears to violate my consumer rights under the Fair Credit Billing Act ( FCBA ) and potentially the Fair Debt Collection Practices Act ( 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 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

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 2025-05-21 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: DE

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX 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 : {$6300.00} 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX reported late payments on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Information in credit bureaus are not correct. I reviewed my credit report and notice XXXX late payments on XXXX XXXX XXXX XXXX XXXX XXXXccount. All payments were made on time and not late. Account was on autopay. The consumer reporting agencies ( credit bureaus ) need to all report all information with complete accuracy. I have attached credit bureau XXXX to this complaint. I am requesting investigation of this account and update information immediately Thank you for your promptness..

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 2025-05-21 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: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX reported late payments on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Information in credit bureaus are not correct. I reviewed my credit report and notice XXXX late payments on XXXX XXXX XXXX XXXX XXXX  account. All payments were made on time and not late. Account was on autopay. The consumer reporting agencies ( credit bureaus ) need to all report all information with complete accuracy. I have attached credit bureau XXXX to this complaint. I am requesting investigation of this account and update information immediately Thank you for your promptness..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX reported late payments on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Information in credit bureaus are not correct. I reviewed my credit report and notice XXXX late payments on my XXXX XXXX XXXX XXXX  account. All payments were made on time and not late. Account was on autopay. The consumer reporting agencies ( credit bureaus ) need to all report all information with complete accuracy. I have attached credit bureau XXXX to this complaint. I am requesting investigation of this account and update information immediately Thank you for your promptness..

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 2025-05-21 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: FL

Complaint narrative:
While checking my credit report I noticed these accounts on their that I didnt authorize or use. Dispute letter and all documentation is attached

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 2025-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My company got approved for XXXX XXXX XXXX XXXX worth {$50000.00} dollar each with 0 % APR for 12 months. My outstanding balance is less than 10 % and they require me to pay it in full. They they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account related to my time at XXXX XXXX XXXX I am formally disputing this account because it is based on false information. 

I was last enrolled in XXXX XXXX. I was not registered for Fall XXXX, yet XXXX XXXX XXXX is claiming I owe a balance from that term. In response to my formal dispute and request for validation, they provided only a term registration summary, not an enrollment agreement or an itemized breakdown of charges. 

Even more concerning, all the status dates on the summary they provided say XX/XX/year>, which inaccurately implies I was enrolled when I was not. This is not sufficient validation of the debt and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( FCRA ). 

This continued reporting has caused serious damage to my credit and resulted in me being denied housing multiple times. At one point, it contributed to me experiencing homelessness. I am working to rebuild my financial stability, and this unverifiable and harmful debt is standing in the way.

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 2025-05-21 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account related to my time at XXXX XXXX XXXX. I am formally disputing this account because it is based on false information. 

I was last enrolled in XXXXXXXX XXXX. I was not registered for XXXX XXXX, yet XXXX XXXX XXXX is claiming I owe a balance from that term. In response to my formal dispute and request for validation, they provided only a term registration summary, not an enrollment agreement or an itemized breakdown of charges. 

Even more concerning, all the status dates on the summary they provided say XX/XX/year>, which inaccurately implies I was enrolled when I was not. This is not sufficient validation of the debt and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( FCRA ). 

This continued reporting has caused serious damage to my credit and resulted in me being denied housing multiple times. At one point, it contributed to me experiencing homelessness. I am working to rebuild my financial stability, and this unverifiable and harmful debt is standing in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account related to my time at XXXX XXXX XXXX. I am formally disputing this account because it is based on false information. 

I was last enrolled in XXXXXXXX XXXX. I was not registered for XXXX XXXX yet XXXX XXXX XXXX is claiming I owe a balance from that term. In response to my formal dispute and request for validation, they provided only a term registration summary, not an enrollment agreement or an itemized breakdown of charges. 

Even more concerning, all the status dates on the summary they provided say XX/XX/year>, which inaccurately implies I was enrolled when I was not. This is not sufficient validation of the debt and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( FCRA ).

This continued reporting has caused serious damage to my credit and resulted in me being denied housing multiple times. At one point, it contributed to me experiencing homelessness. I am working to rebuild my financial stability, and this unverifiable and harmful debt is standing in the way.

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