vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This collection was already removed prior back in XXXX, it got replaced back on my credit report in XXXX. I have already told them this debt is not mine, they were not able to confirm my account using social security number, I have never had a phone plan in my life especially not with XXXX & that is public record. This is hindering me from buying a home & this is not my debt. They sent me a letter stating this debt does not belong to me but it has not been removed yet. 

Account : XXXX XXXX Acct # XXXX Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.

This breach is a clear violation of FERPA And your responsibility to safeguard my information.

Summary : My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-03-05 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Late at night on XX/XX/year>, I had to XXXXXXXX XXXX XXXX XXXX rent to her landlord. Mistakenly I Zelled the rent of {$700.00} to XXXX XXXX XXXX who is employed by 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 2025-03-05 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: CA

Complaint narrative:
PHH mortgage took over the portfolio from XXXX XXXX XXXX in XXXX of last year. I will attach my payment history. I have always paid my mortgage in advance and during the month of the transition of the portfolio, XXXX XXXX XXXX took one of my early mortgage payments and applied it to principal. PHH discovered this and told me this last year and said that they had fixed it. This year and in XX/XX/2024, they are saying that my payments were very late. But if you look at their own records attached, you could see that I made two payments in the month of XXXX in 2024 both were in advance for XXXX and XX/XX/2024, and this goes all the way back to the beginning of their management of this loan. They are now missing two payments, when in reality of the payments were made early and the mistake was fixed from the XXXX XXXX XXXX mistake, but someone changed it at PHH mortgage and now they are charging me late fees. Look at my payments from last fall- they are all in advance- if I had made payments that they received in XXXX after the XXXX and the XXXX, they wouldve both been late, but they were in advance for XXXX and XXXX, hence, I am not behind in my payments. Im in fact ahead or now on time. This whole accounting on this loan needs to be investigated by the bank more deeply and they need to call me back. My payments are on time and never shouldve been any late payments, look at the history. I wouldve been late all through this last year, but in fact, they were early payments From the time that PHH took the loan over in the portfolio they took from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
- XX/XX/XXXX - deposited a XXXX check for {$100000.00} into personal checking account ending XXXX. The check was funds from CD held by XXXX XXXX on my behalf. Both XXXX XXXX & myself went to the bank and verified the 'gift '. 
- Week of XX/XX/XXXX - at some point during the week of XX/XX/XXXX we verified verbally by phone the authenticity of the transaction with both XXXX XXXX and myself. We were told that the funds would be released from hold status. 
- Following this, with no notice, my personal checking account was closed. 
- My paycheck was returned, bills that were scheduled to be paid from this account had to be hastily moved and I had to open a checking account with a different bank - My checking account funds of {$7000.00} were mailed to me without my knowledge. 
- Despite numerous calls, I have been unable to get an answer about where my funds are. I requested that they be sent to my Business acount but now they can not locate where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: RI

Complaint narrative:
They got a judgement against me many years ago, when I moved. I didn't know about the judgement at the time. I later fought off the attempts to garnish my wages, etc. Recently I tried to settle with them a smaller amount. This was a debt of about {$11000.00} that has ballooned to {$37000.00} without me getting anything. They went into my checking account, with the court system and took $ XXXX. I asked them repeatedly to negotiate and they refused to. Not even {$1.00}. I even told them they went into my son 's bank account and took his money. Also I get paid 1099 so I don't have my taxes taken out, so they took my money to pay my income taxes with. I listed the exemptions I felt I should have had, but they were not interested in. They cleaned me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
The company is trying to collect not only a debt that was cancelled via 1099C but they started a court process. Im going to sue this company if they dont remove this trash from my credit report in 30 days. Proof has been provided below. Based on FCRA and Collections can not collect or attempt to collect on a debt that has been cancelled. This is 100 % against the law and this company is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
This company reported late payments on my credit report and this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AZ

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged.

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX  Company Name : XXXX XXXX XXXX - Account # : XXXX  Company Name : XXXX XXXX XXXXXXXX XXXX - Account # 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 2025-03-05 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: IL

Complaint narrative:
I'd like to complain to Transunion, Equifax, and Experian for having many inaccuracies on my credit report. according to the FCRA the credit agencies must provid accurate information on consumer reports. there are many addresses I'm not associated with I have 1 physical address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX no other address should be presently on my credit reports. I will provide my Government issued ID and social security card along with this complaint for identity verification purposes. I would like for each of you to delete inaccurate addresses, and update my address Immediately

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'd like to complain to Transunion, Equifax, and Experian for having many inaccuracies on my credit report. according to the FCRA the credit agencies must provid accurate information on consumer reports. there are many addresses I'm not associated with I have 1 physical address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX no other address should be presently on my credit reports. I will provide my Government issued ID and social security card along with this complaint for identity verification purposes. I would like for each of you to delete inaccurate addresses, and update my address Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: VT

Complaint narrative:
I created access to their loan servicing portal - connected my loan and then chose paperless. I keep receiving messages that I have new documents to view. However, when I go to sign in, it brings me back to the old cmg mortgage portal and asks me to connect the mortgage ( again ) which despite having done before - I have tried every which way avialable and each time- it circles back to the same start screen - the useless dashboard that does not allow me to view documents or make payments or... ANYTHING. I have emailed them back several times since this started. I have now been on the phone for over an hour and can not access my loan servicing portal or documents that I am supposed to be able to view online- which I assume are important or they wouldn't be sending them. They have offered no reason as to why the portal, when updated, wasn't converted such that consumers could continue to access the " new '' portal or the updated system- and they have not provided a solution to me being able to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I was playing catchup from being out with my mom and was looking to help consolidate my bills. I spoke with an attorney, and they said to do bankruptcy which I did and wish I did not because I didn't have that many bills I was just trying to get back afloat. I asked the attorney in XXXX could my payment be lower or could i get out. I was under the impression that the payments I was sending in each month they were paying my bills. to my acknowledgement they were not. My other creditors such as my car payment and credit cards let me start paying as of XXXX to catch up payments bc they have not received any payments since I filed bankruptcy which was in XX/XX/year>. Vanderbilt Mortgage and Finance will not help me or do a loan modification or let me pay extra a month to catch up, that and said they have not had a payment since XX/XX/year> which is not my fault. They transaction report from bankruptcy court only paid two payments and they are trying to foreclose on my house, and I need help. I applied for mitigation they denied and will not take a partial payment. I spoke to XXXX, and he stated I could only pay the amount in a lump sum of what is owed. There has to be help for me somewhere I do not want to lose my house, and I can XXXX XXXX and XXXX for this year now, but they will not accept my payments. Prior to XXXX i was in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I have been battling identity theft for the past few months and I have been in contact with experian and Equifax several times within the past few months and they are refusing to help me with my current situation, I have submitted all supporting documents in order to support my claim in this current matter, experian is still refusing to remove the fruadulant address off my credit report with is a violation to my consumer rights.

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 2025-03-05 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: IL

Complaint narrative:
The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that XXXX being held back by errors that should not be there.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture from a company called XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada in XX/XX/year> and used a Synchrony Credit Card offered by the seller to complete the purchase of {$7100.00}. 
In XX/XX/year> I received a bill from Synchrony XXXX  I quickly contacted them to inform them I never received the furniture and was not going to make payments on merchandise I never received. 
I contacted Synchrony XXXX numerous times in the last three years informing them I never received the furniture. Now Synchrony XXXX has turned me over to a collection agency law firm called " XXXX ''. I have been fighting this for almost four years now and even after hiring the XXXX XXXX XXXX to resolve this situation I continue to receive threats from Synchrony Bank and now a threat of a law suit from a collection agency. I have submitted claims to several agencies regarding this issue and have been left with no choice but to file a class action counter law suit to end this harassment once and for all.

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 2025-03-05 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. 
This breach is a clear violation of FERPA And your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4 Total Accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. 

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4 Total Accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. 

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.

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