vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HI, this is XXXX XXXX, please remove the personal statement from my credit report, its expired and I dont want it continue to stay at my report

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 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt collection attempt by Midland Credit Management ( MCM ) regarding an alleged XXXX XXXXXXXX account. I have reason to believe that this debt may not belong to me due to discrepancies in the address information provided. 

Dispute Details : The documentation from XXXX XXXX lists a XXXX XXXX XXXX that I have never owned, which raises concerns about the legitimacy of this debt. 
However, Midland Credit Managements documents use my correct residential address, creating confusion about the accuracy of their records. 
I have never received any prior communication about this debt at the incorrect address, nor have I received any original account statements from XXXX XXXX verifying the details of this debt. 

Requested Actions : XXXX. Debt Validation I request that Midland Credit Management provide full validation of the debt, including a complete account history, original signed agreement, and proof of their authority to collect this debt. 
XXXX. Investigation I ask the CFPB to investigate whether MCM is violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect a potentially inaccurate debt. 
XXXX. Correction or Removal If Midland Credit Management can not fully verify this debt, I request that this collection be removed from my credit report and that no further collection attempts be made. 

I have attached copies of the documents I received from Midland Credit Management and relevant correspondence for your review. 

Please confirm receipt of this dispute and provide an update on the next steps. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I have received phone calls and they are on my credit report. I haven't got into debt with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Received an inquiry notification from my XXXX XXXX XXXX app on XX/XX/XXXX. Hard inquiry was showing on my Experian credit report on XX/XX/XXXX from a XXXX personal loan company. I had never heard of XXXX. Contacted XXXX on XX/XX/XXXX about inquiry. Confirmed that the application was fraud, that I did not apply. The phone number and email address on the application did not match mine. XXXX denied the application immediately. Contacted Experian XX/XX/XXXX to remove from credit report and was informed needed to either file a police report or report with ftc.gov.

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 2025-03-27 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: AZ

Complaint narrative:
I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1900.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2025-03-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
CASE # XXXX Sent XXXX XXXX XXXX through PayPal and never received the product. Have tried since XXXX to straighten it out to no avail. PayPal nor XXXX have soolved the problem. I am still out of {$74.00} and no XXXX XXXX. They say I have but I don't. Im attaching documentation which shows I should have the product but still I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I have recently filed disputes against XXXX and Equifax credit bureaus. XXXX and Equifax continue to violate my rights under The Fair Credit Reporting Act ( FCRA ), Equifax and XXXX XXXX reporting agencies are violating my rights by continuing to reporting inaccurate information on my credit report that is harming my financial well-being, and my reputation as a consumer. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation and proof thereof, into the fraudulent inaccurate accounts of XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These inaccuracies are to be investigated as required by federal law. The Consumer Financial Protection Bureau filed lawsuits against XXXX, Equifax, and XXXX in an effort to ensure that credit reporting agencies are held accountable for their failures to properly, and thoroughly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include but are not limited to : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my many disputes regarding inaccurate information on my credit reports have been continuously mishandled in a comparable manner.

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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
In XXXX of 2023, I received an email indicating that my student loan discharge was approved under the XXXX v XXXX settlement. My college was included in the instant loan forgiveness/discharge/decision group. 

My loans were originally with XXXX and were moved to Mohela for servicing. Mohela 's website shows a balance of XXXX for each of my discharged loans. The same is true regarding the loan balance reported on studentaid.gov. However, the loans still show on my credit report and I have not received any refunds for payments made toward these loans. 

Regarding my credit report, I submitted a dispute with the credit bureaus and was informed that the dispute would be closed and the loan balance would not be removed from my credit report because Mohela confirmed that a balance still exists on my account. This is inaccurate. 

I have reached out to Mohela several times over the past XXXX plus months, requesting that they update my credit report with accurate balance information. Each representative I spoke with assured me that my credit report would be updated. I also requested some sort of documentation that confirms the discharge occurred and the balance is XXXX. I was assured this would be sent to my email within the next several business days. Nothing was ever changed on my credit report, my credit report still shows the XXXX balance, and I have not received any documentation from Mohela regarding the discharge or my balance. 

I would like the loan balance to be updated on my credit report to reflect accuracy of a XXXX balance. 

My second concern regards refund loan payments that I should have received but did not. 

Throughout the years, I've submittedmultiple payments on the, now, discharged loans, and would like to see those payments returned to me. 

I've reached out to Mohela, The Department of XXXX, XXXX, but no one has been able to provide any information regarding payment refunds on my account. 

While I am grateful for the discharge, the first school I attended was deceitful and should not have received federal student loan money to begin with. Therefore, it is only fair that I receive the promised refunds for any payments made toward these fraud based loans. 

I greatly appreciate your assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NEW YORK COMMUNITY BANCORP INC
State: CA

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

Company public response: Company 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 2025-03-27 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: MOHELA
State: MI

Complaint narrative:
Opened : XX/XX/year> Closed : XXXX XXXX MOHELA Department of education {$4000.00} Opened : XX/XX/XXXX, XXXX Closed : XXXX XXXX MOHELA Department of education {$2200.00} Opened : XXXXXXXX XXXX-MOHELA Department of education {$33000.00} XX/XX/XXXX, payments went from deferred to late. 
XX/XX/XXXX, Locked out of account login information did not work and account deactivated XX/XX/XXXX, hack on my credit file XX/XX/XXXX, Data leak from the Department of education XX/XX/XXXX, payment now current did not make any changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
It is completely unfair that my financial standing is being negatively impacted by errors on my report. These inaccuracies are creating barriers that should not exist, and it is extremely frustrating to deal with the consequences of false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-27 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: GA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had the same problem with both Transunion and Equifax. I spent a lot of time on the phone with each company. It was pretty much the same problem with each. They were unable to help me sign into my accounts. They were however able to confirm that my accounts still had freezes placed on them. Getting to a person who could confirm the information took a lot of time. 
When I initiated the freezes in XXXX  it was simple to log into their sites and view my information. Something very troubling has changed.

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 2025-03-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX I am writing to formally dispute late payments on my XXXX XXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didnt come as those things do occur not to put fault on myself or on XXXX XXXXXXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681s-2 This late error was beyond my control, and I demand that it is fixed to never late. 
The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX It showing late on two accounts as well as you can see by the 3 screen shots I have attached and I know Im losing way extra points for that as well. 
I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. 
Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : 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 2025-03-28 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: TX

Complaint narrative:
I am writing to formally dispute the information reported on my credit file regarding the account number referenced above. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the reported details. This is not a request for a simple verification ; this is a demand for a complete and accurate review. 

Please be advised that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for their failure to conduct thorough investigations into consumer disputes. This serves as a reminder that inaccurate reporting and sham investigations are not only unethical, but they are also illegal. I expect you to handle this matter with the utmost attention and care, in compliance with the law. 

I am requesting that you immediately remove the inaccurate information from my credit report. If you are unable to fully substantiate this account, I demand its removal without delay. 

Please provide me with the results of your investigation and a copy of the updated credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX is reporting a hard inquiry stating that there are issues with my name and information. I tried to fix this issue by internet email and telephone with no positive results. Apparently there is an account associated with my name. I tried to access information requarding this issue to get it resolved and they would not provide me with anything. But they admitted that I have some kind of account. They ask for my sensitive and personal information which I provided. And they still denied to give any information. They basically tricked me into giving them my information thereby basically stealing it with deceit. Once I provided all my personal information they basically told me to go get screwed. And I asked to speak to the supervisor and was denied. I believe they are committing fraud in my name.

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