vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
Hello, I just called to have somthing removed from my file. You can take a look at the report and see what it is. I'm an idetity theft victim, and the chrge isn't against me. I ned to have all of it remved so I can restore my credit report. I have reported the identity theft to the Federal Trade Commission and submitted their Identity Theft Affidavit copies. Can you please take it care of as quickly as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Purchase the car in XXXX of XXXX. As of this date, only 40 percent of the car loan has been paid. I have tried to dispute the incorrect information several times : XX/XX/XXXX XX/XX/XXXX ( they never disclosed the dispute results. I tried contacting experian several times ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( currently under dispute however there are still reporting negative actions to my credit ) I contacted XXXX via phone several times over the month of XXXX XXXX XX/XX/XXXX requesting loan and apr disclosure documents, monthly statements that have never been sent, and a full history account balance which is unavailable on the site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
In late XX/XX/XXXX ( before XX/XX/XXXX ), I contacted 21st Mortgage Corporation by phone to request temporary hardship assistance after undergoing a medically necessary hysterectomy on XX/XX/XXXX. I am currently on XXXX XXXXXXXX until XX/XX/XXXX, receiving only 80 % of my regular income while supporting XXXX children. I requested assistance with my XXXX and XX/XX/XXXX mortgage payments due to reduced income. My monthly mortgage payment is {$980.00}. 

Despite clearly explaining my situation, I was denied assistance. I struggled to make the XXXX payment, and when I followed up in XXXX to request help for XXXX and XXXX instead, I was again denied. The company demanded documentation from my doctor and employer, even though they are not legally obligated to provide such documentation. However, I complied and was able to submit the requested documents to show proof of my medical condition and employment status. 

XXXX Mortgage has a history of uncooperative and threatening behavior during times of hardship. In XXXX, during my divorce and the COVID-19 crisis, I fell behind on payments. The company refused to help me then and issued multiple foreclosure threats until the Louisiana Homeowner Assistance Fund stepped in. That program reinstated my mortgage by paying XXXX months of past-due payments and then covered XXXX months going forward. Despite the fact that XXXX Mortgage did not offer this help themselves, they continue to bring it up as a reason for refusing my current hardship request. 

I believe their actions reflect a pattern of bad-faith servicing, retaliation, and noncompliance with the spirit of federal servicing guidelines. I am simply requesting a short-term forbearance or repayment plan to avoid further hardship until I return to work in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been detrimental to my life and credit health.

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I got a call from Portfolio Recovery, I tried to resolve the issue, but they won't take my payment, so they have started harassing me with numerous phone calls to both my home phone and my cell. 

I'm tired of it. 

Called today XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  VA XXXXPortfolio Recovery Associates, LLC\nXXXX XXXX XXXX VA XXXXnRe: Dispute of Account XXXX\nTo Whom It May Concern:\nI am writing to dispute an account that appears on my credit reports which your company has reported. I am exercising my right to dispute inaccurate information as provided under the Fair Credit Reporting Act (FCRA), 15 U.S.C. code 1681.\nI do not believe this account belongs to me and/or contains inaccurate information. I request that you:\n1.\tProvide complete documentation that verifies this debt, including:\n\tThe original creditors name\n\tThe original account number\n\tThe complete chain of ownership\n\tA copy of the original agreement\n\tAll account statements showing the alleged debt amount\n2.\tCease reporting this information to all credit reporting agencies until you can verify its accuracy\n3.\tIf you cannot verify this information, please remove this account from my credit reports and cease all collection efforts.\nUnder the Fair Debt Collection Practices Act (FDCPA), you have 30 days to verify this debt. If you cannot provide proper verification, you must remove this account from my credit reports and cease all collective activities.\nPlease send all future correspondence to the address listed above. I look forward to your prompt response and resolution of this matter.\n\nSincerely,\n\XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Regional acceptance incorrectly marked my account as late. I explained to them that the representative on the phone wrote the numbers down wrong. They sent me a later in the mail advising that they would erase the negative markings if I can show a bank statement where they had authorization to take the money out with the card number but how is that possible when the representative wrote the wrong number down in the first place please make it make sense or actually listen to what Im saying and remove the negative remark I should not be penalized for a representatives error.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am requesting the immediate deletion of outdated and inaccurate personal information from my Experian credit report. 

The following addresses are incorrect and should be permanently removed : XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Additionally, the following phone numbers are inaccurate and not mine, and should also be deleted : ( XXXX ) XXXX ( XXXX ) XXXX The only addresses that should remain on file are : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TN 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 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
Sent in dispute to debt collector, they stated that the account is correct but refuse to send documentation showing that I owe this debt for FAIR COLLECTIONS & OUT XXXX For amount of {$1800.00}

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 2025-05-17 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal dispute and complaint regarding a debt listed by XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  on my credit report. 

According to the attached debt resolution letter dated XX/XX/year>, from XXXX XXXX XXXX, XXXX, the debt originally owed to XXXX XXXX XXXX XXXX and acquired by XXXX XXXX XXXX ( Account Number : XXXX ) has been paid in full through a compromise offer of {$780.00}, and no balance remains on the account. 

Despite this written verification, this account may still be reported inaccurately on my credit report, showing either as unpaid or charged off. This is misleading and harmful to my credit profile.

I am requesting that the CFPB assist in : Investigating this matter. 

Ensuring this account is updated to reflect a {$0.00} balance and marked as paid/settled in full. 

Ensuring that all credit bureauXXXX XXXX XXXX  TransUnion, and XXXX ) are provided with the updated status by XXXX XXXX XXXX and XXXX XXXX XXXX. 

Attached Documents : Debt resolution letter from XXXX XXXX XXXX dated XX/XX/year> My identifying information and credit report ( if needed upon request ) Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a timely resolution and written confirmation once this account has been properly updated or removed. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-05-17 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal dispute and complaint regarding a debt listed by XXXX XXXX XXXX and XXXX XXXX Services on my credit report. 

According to the attached debt resolution letter dated XX/XX/year>, from XXXX XXXX XXXX, XXXX, the debt originally owed to XXXX XXXXXXXX XXXX  XXXX. and acquired by XXXX XXXX XXXX ( Account Number : XXXX ) has been paid in full through a compromise offer of {$780.00}, and no balance remains on the account. 

Despite this written verification, this account may still be reported inaccurately on my credit report, showing either as unpaid or charged off. This is misleading and harmful to my credit profile.

I am requesting that the CFPB assist in : Investigating this matter. 

Ensuring this account is updated to reflect a {$0.00} balance and marked as paid/settled in full. 

Ensuring that all credit bureaus ( Equifax, XXXX XXXX XXXX  ) are provided with the updated status by XXXX XXXX XXXX and XXXX XXXX XXXX. 

Attached Documents : Debt resolution letter from XXXX XXXX XXXX dated XX/XX/year> My identifying information and credit report ( if needed upon request ) Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a timely resolution and written confirmation once this account has been properly updated or removed. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal dispute and complaint regarding a debt listed by XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXXon my credit report. 

According to the attached debt resolution letter dated XX/XX/year>, from XXXX XXXX XXXX, XXXX, the debt originally owed to XXXX XX/XX/XXXXXXXX. and acquired by XXXX XXXX XXXX ( Account Number : XXXX ) has been paid in full through a compromise offer of {$780.00}, and no balance remains on the account. 

Despite this written verification, this account may still be reported inaccurately on my credit report, showing either as unpaid or charged off. This is misleading and harmful to my credit profile.

I am requesting that the CFPB assist in : Investigating this matter.

Ensuring this account is updated to reflect a {$0.00} balance and marked as paid/settled in full. 

Ensuring that all credit bureaus ( XX/XX/XXXX, and Experian ) are provided with the updated status by XXXX XXXX XXXX and XXXX XXXX XXXX. 

Attached Documents : Debt resolution letter from XXXX XXXX XXXX dated XX/XX/year> My identifying information and credit report ( if needed upon request ) Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a timely resolution and written confirmation once this account has been properly updated or removed. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-05-17 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: Tate and Kirlin Assoc
State: MO

Complaint narrative:
I received a debt collection letter from Tate & Kirlin Associates , Inc. dated XX/XX/year>, attempting to collect on an alleged debt from XXXX XXXX for {$1500.00}. This letter contains multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. False Representation of Legal Status ( 1692e ( 2 ) ( A ) ) The firm implies legal authority or judgment when none exists, misleading me into believing this is a legal matter.

2. Threatening Legal Action Not Permitted ( 1692e ( 5 ) ) The tone and format imply legal proceedings or enforcement, though no such action has been initiated.

3. Failure to Mark Disputed Debt ( 1692e ( 8 ) ; 1681s-2 ( a ) ( 3 ) ) I previously disputed this debt with the original creditor and credit bureaus, yet the firm is not reporting it as disputed.

4. No Debt Validation Notice ( 1692g ( a ) ) The letter fails to provide the required 30-day notice of my right to dispute the debt or request validation.

5. Use of Deceptive Means ( 1692e ( 10 ) ) The letter mimics legal correspondence from a law firm to intimidate and coerce payment.

6. Failure to Reinvestigate Disputed Information ( 1681i ) Despite fraud alerts and disputes already on file with credit reporting agencies, no reinvestigation occurred before attempting this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
A complete and itemized debt validation package including : A copy of the original contract or agreement, bearing my wet signature, showing I had a contractual obligation to the original creditor for this specific amount. 
A detailed breakdown of the amount claimed, including any interest, fees, or charges added. 
The name and address of the original creditor. 
Proof that you are authorized to collect this debt and have legal standing to report it to credit bureaus. 
Proof that this account is not time-barred under applicable state statutes of limitation. 
A copy of any communications or notices previously sent to me regarding this debt. 
Verification that you complied with the HIPAA Privacy Rule and any federal/state laws regarding the handling and transmission of medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: SC

Complaint narrative:
I am writing to formally dispute the collection and reporting of student loan debt currently being attributed to me. The debt is inaccurate and has been reported under different names, which I believe reflects either identity confusion, administrative mishandling, or potential fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Everest Receivable Services Inc.
State: LA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the collection notice regarding my account with XXXX that has apparently been transferred to your agency. 

Timeline of events : - XX/XX/XXXX : I transferred my home security services to XXXX. 
- XX/XX/XXXX : I made a payment of {$360.00} to XXXX as part of an agreed payment plan, with the understanding that the remaining balance would be paid the following month. 
- XX/XX/XXXX : I received notification from XXXX that my account had been transferred to XXXX XXXX  XXXX XXXX, despite our active payment arrangement. 
- XX/XX/XXXX : A XXXX  technician inspected my system and discovered that the original installation was incompleteno door sensors were installed, leaving my home unprotected since the initial setup. 
- XX/XX/XXXX : I spoke with XXXX with Everest Receivable Services requesting validation of debt. A debt validation request letter was sent to XXXX. 

I have attempted to contact XXXX XXXX, XXXX multiple times without success. Additionally, a representative named XXXX from Everest Receivable Services has made inappropriate personal remarks and threatened my credit standing during collection attempts. 

This dispute is based on XXXX primary concerns : XXXX. A payment arrangement was already in place with XXXX that was being honored. 
XXXX. XXXX failed to provide the security services promised, as confirmed by their own technician on XX/XX/XXXX. 

I have documentation of all communications with XXXX, XXXX, and Everest Receivable Services to support my position. Had I known my home would be unprotected due to improper installation, I would not have contracted with XXXX. 

cc : XXXX Customer Service XXXX XXXX Everest Receivable Services

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 2025-05-17 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: IN

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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