vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: Early Warning Services, LLC
State: TX

Complaint narrative:
My bank has informed me that there is negative information reported by insert name of bank included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing insert reason for denial and date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with [ insert name of bank and provide me with copies of any documentation associated with insert reason for denial. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My bank has informed me that there is negative information reported by insert name of bank included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing insert reason for denial and date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with [ insert name of bank and provide me with copies of any documentation associated with insert reason for denial. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number :

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 2025-07-01 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My bank has informed me that there is negative information reported by insert name of bank included in the file XXXX  maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing insert reason for denial and date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with [ insert name of bank and provide me with copies of any documentation associated with insert reason for denial. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number :

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 2025-07-01 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VALIDATION REQUIRED XX/XX/year> XXXX TO WHOM IT MAY CONCERN, I DISPUTE YOUR CLAIM AND I AM REQUESTING VALIDATION FROM YOU PURSUANT TO THE FAIR DEBT COLLECTIONS PRACTICES ACT, 15 USC 1692G Sec.809 ( 8 ) ( FDCPA ).

-provide breakdown of fees including how you calculated what you claim I owe. 2 provide a copy of my signature on a contract or document that holds me responsible for this alledged debt.

-cease any credit bureau reporting until debt has been validated by me as required under FCRA .

-send me proof that you are licensed to collect debt in my state. 
-send this information to my address and accept this letter sent as my formal debt validation request, which I am allowed under the FDCPA. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am writing to formally dispute several inaccurate items on my credit report that are the result of identity theft. These accounts and inquiries were not authorized by me and do not reflect my credit activity.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you promptly block and remove all fraudulent accounts and inquiries identified in the enclosed documentation. In support of this request, I have included the following : A detailed list of the disputed items A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of a government-issued photo ID Please investigate this matter and update my credit file accordingly. I also request written confirmation once these items have been blocked and/or deleted from my report. 

Thank you for your prompt attention to this urgent matter. Should you require any further information, feel free to contact me at the phone number or email listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-01 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: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 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: CA

Complaint narrative:
I am writing to follow up on the letters I previously sent regarding the removal of fraudulent items from my credit file. I kindly request that Experian and TransUnion Credit Bureaus remove the remaining fraudulent entries promptly. I want to express my gratitude for the actions taken thus far. I appreciate that the three credit bureaus have already removed some of the fraudulent items, with special thanks to Equifax Credit Bureau for their assistance. I am writing to formally request the removal of the remaining fraudulent items from my credit report. Below, I have outlined the specific entries that I believe to be fraudulent and urge you to promptly investigate and remove them from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
- To : XXXX XXXX XXXX XXXX XXXX XXXX Re : Account No. XXXX From : XXXX XXXX XXXX XXXX : XX/XX/year> Subject : Rebuttal to Company Response Evidence of Misrepresentation in CFPB Response To Whom It May Concern, I am writing to formally dispute the response provided by your compliance team dated XX/XX/year>, which was submitted in reply to my complaint through the Consumer Financial Protection Bureau ( CFPB ). In your response, you claimed : > No payment has had any amount allocated to late fees ... That is why your account has {$520.00} of unpaid late fees.

This statement is factually false and contradicted by your own billing documentation. 

Attached to this rebuttal is a copy of my most recent loan statement, which clearly shows : Total Late Charges Due : {$510.00} Amount Applied to Late Charges : {$170.00} This proves that payments have indeed been applied to late fees, which directly contradicts your written claim to the CFPB. Further, this payment statement shows that of a {$450.00} payment, only {$240.00} went to principal and {$35.00} to interest, while a disproportionately large {$170.00} was applied to late charges. 

This practice is not only deceptive but also appears to violate the Truth in Lending Act ( TILA ) and standard amortization rules. Your internal accounting contradicts your regulatory communications and shows a pattern of unfair and deceptive lending practices, including : 1. Applying payments to late fees ahead of principal and interest, despite claiming otherwise. 


2. Failing to disclose in your response the actual payment allocations reflected in billing.

3. Providing misleading information to a federal agency, which may rise to the level of regulatory misconduct.

I am demanding the following actions : 1. A corrected statement acknowledging the application of funds to late charges. 


2. A full explanation of how the {$510.00} in late charges accumulated, and a breakdown of each charge.

3. A written apology and correction submitted to the CFPB acknowledging the false statement.

4. Immediate suspension of late fee accrual and a revised amortization schedule that complies with the original terms and fair lending practices.

Failure to do so will result in my pursuing further legal remedies, including but not limited to : Filing formal complaints with the Florida Office of Financial Regulation, Contacting the Federal Trade Commission ( FTC ) for deceptive practices, and Engaging consumer protection legal counsel to explore litigation options.

You have 10 business days from receipt of this letter to provide a written resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Email : 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 monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have contacted Mohela a total of 8 times trying to get my balance and payment information for repayment. My information has changed numerous times. My latest phone call on XX/XX/year> resulted on me being on the phone for over an hour only to be hung up on and did not have anyone call me back. I work six days a week and cant continue to spend time doing their job trying to figure out my balance. Why does it keep changing? Please help me with this company!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Recently disputed XXXX XXXX XXXX and Genesis. They both came back as verified but have neglected to add the last payment date. Even after multiple times of disputing, this information has been neglected to be added. This account is missing the required date of last payment, which is essential to determine the accounts accuracy and the credit reporting time frame. This omission makes the reporting incomplete and unverifiable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-07-01 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULEND ACCOUNTS IN MY CREDIT REPORT WHICH DOES NOT BELONG TO AND MUST BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALSO SOME FRAUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT I AM THE ONLY PERSON WHO MADE THIS STATEMENT

Company response to consumer: Closed with non-monetary relief