vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> To Whom It May Concern, RE : Formal Dispute & Cease and Desist Harassing Debt Collection and Unverified Reporting by Major Banks This letter serves as a formal dispute and cease and desist demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Telephone Consumer Protection Act ( 47 U.S.C. 227 ).

I am receiving harassing and excessive robocalls, and/or have been subjected to unverified debt collection activity and negative credit reporting by the following institutions or their collection agents : Discover Bank Account Number : XXXX These communications often include automated robocalls with no live agent, no opt-out options, and no documented verification of the debt. Additionally, these institutions have furnished negative information to the credit bureaus without providing signed contracts, original account records, or proof of legal collection rights. 
These actions violate : 15 U.S.C. 1692d 15 U.S.C. 1692g 15 U.S.C. 1681i 47 U.S.C. 227 Prohibiting harassment or abuse Requiring proper validation of debt Requiring a reasonable investigation of disputed items Unlawful robocalling under the TCPA DEMAND FOR ACTION You are hereby notified of the following demands : 1. 2. Cease and desist all phone calls and collection communications to Provide full verification my number or address immediately.

of any alleged debts, including : o Original signed agreements o Payment history o Chain of custody or assignment documentation 3. Delete all negative items related to these accounts from my credit report with XXXX XXXX XXXX XXXX  within 30 days. This includes any accounts reported as charged-off, in collections, or delinquent without verified documentation. 
If you are unable to validate these debts and cease harassment, I will file additional complaints with : The The My Consumer Financial Protection Bureau ( CFPB ) Federal Communications Commission ( FCC ) State Attorney Generals Office legal action I reserve the right to take FDCPA and TCPA, which may include attorneys fees. 
and pursue statutory damages under the up to {$1000.00} per violation, plus Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I did indeed have medical bills. I had XXXX hospital stays, and I had XXXX ambulance rides. All XXXX were paid for by insurance. I never received any bill after that. The only interaction after that with anybody was when I checked my credit score and I realize it was affected and that I have bad marks for debt collectors collecting a debt that Im guessing is for medical bills, but I dont know because when I asked them, they wouldnt respond. They wouldnt confirm what it was. I told them that I would pay it. They told me they wanted a credit card. I asked them if I can get a receipt they wouldnt guarantee me that When I told them I need proof that I paid for so I can get off my credit report they trying to sue for the money. I dont know what to do at this point I know that the overwhelming majority of the medical bills were paid for by my insurance And that I live in Michigan and according to new Michigan law these should affect my credit score negatively and yet they are stating that it will. I tried to get the deck consolidated they refused. I tried to bargain and see if I can make a payment plan they refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My current lender is the XXXX that has owned the paper for my loan. I am fully current with the loan and to date have made XXXX payments against the 20 year loan of XXXX payments. I have kept religious records as to which payment, the amounts, dates, interest, and principal that has been paid to date. Ever since the current loan company has had my paper, there have been difficulties with getting their system to operate correctly when attempting to make a payment. There have been a handful of times where for XXXX reason or another their system would not let me make my house payment. 
Tonight, XXXX I attempted to make my house payment and their system refused to let me make the payment stating that there was no payment due. Then when I looked at my account it stated that a payment was due on XXXX. This is NOT the first time this has happened. 

The lender is Newrez and they have owned my paper since XXXX of XXXX. I have had numerous problems with them over being able to make a payment in a proper way. In addition their records show that my current payment is # XXXX which is incorrect as my first payment was XX/XX/XXXX of XXXX and there have been no lapses since. ( I have records with confirmation numbers ) The next payment is # XXXX and is due on 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 2025-07-01 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Aidvantage ( Maximus Federal Services , Inc. ) and the U.S. Dept. of Education, which owns the loan. 

My federal student loan is being reported inconsistently and fractured across XXXX XXXX XXXX XXXX. Each bureau shows materially different account numbers, open dates, repayment terms, payment status codes ( some say 120 days late, one says 180 days late ), last active dates, and last payment dates even though I never made any payment, never refinanced, never authorized any changes, and never received any benefit. 

I submitted valid notice under FCRA 1681i and 1681c-2 with my FTC Identity Theft Report, notarized affidavit, valid ID, and proof of address on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025. Aidvantage has failed to produce uniform XXXX XXXX records or any signed refinance note. This fractured reporting is materially inaccurate and unverifiable. It is damaging my credit and violates the FCRA and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I sent a payment of {$2000.00} via XXXX to a user for a supposedly legitimate service. After accepting the funds, the user immediately blocked me and failed to provide the service, which constitutes fraud. I reported this incident to XXXX under request # XXXX. 

XXXX support team acknowledged that the other party did not fulfill their end of the transaction, yet refused to take any action to mediate, reverse the payment, or flag the accounteven though the behavior clearly violated platform policies. I also requested details about the transaction to support a potential police report, but XXXX declined to share any meaningful information. 

This situation highlights a critical gap in consumer protection for users of digital wallets. I am filing this complaint so that the CFPB can help hold XXXX accountable and assist in the recovery of my funds.

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: GA

Complaint narrative:
I recently reviewed my report and found instances of fraudulent accounts. My information appeared in multiple data breaches, including Equifax.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I've been getting $ XXXX fees from XXXX XXXX, after they bought my mortgage in XX/XX/XXXX, and I called to ask why in XX/XX/XXXX, after seeing these fees. They mentioned that my previous mortgage servicer, XXXX ( who I had automatic payments with ), was bouncing checks. I called XXXX right after XXXX XXXX, and they told me there have been bumps in the mortgage transfer process. I was then routed ( via email ) to an internal billing team at XXXX, and they asked me this : " Just to confirm are you sending checks to XXXX XXXX or is this an automatic bill pay? 

If it is an automatic bill pay please make sure to cancel the bill pay with your financial institution. '' I don't know what they're asking/suggesting, I set up automatic payments in the XXXX website when I got the mortgage initially, and the autopayments continued after XXXX XXXX got the loan. I asked them the same day to clarify what they were asking. I have not heard from them since XX/XX/XXXX. 

I'm up to almost {$200.00} in fees now, despite having the exact right amount in my bank account every XXXX of the month, with zero hiccups. I even tried to cancel whatever existing autopay was created in XXXX XXXX from the transfer, and set it up again directly in XXXX XXXX 's website and my bank, and I'm STILL getting the fees.

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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XXXX, I have been trying to get my home equity loan straightened out. My lender reported to all three credit reporting agencies that I was late paying my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never paid my loan late. I have written letters to my lender to get this matter corrected, but have never received a response. Most recently, I made a written dispute with Equifax on XX/XX/XXXX. On the same day, Equifax responded that the dispute was resolved, and made no changes. Equifax did not contact my lender and obtain proof the payments were late. This is very exhausting, and I pray for your help because my lender and the credit reporting agencies will not correct the inaccuracies on my credit report.

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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I successfully completed a mobile deposit into a checking account approximately 61 hours ago. State employees credit Union ( SECU ) has refused to allow me access to my funds and continues to lie to me in order to placate my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Dear [ Discover ], I hope this message finds you well. I am writing to formally request a copy of my 1099-C form for the previous tax year, as per my rights under the Internal Revenue Code ( IRC ) Section 6050P and related regulations.

My account details are as follows : Account Holder : [ Discover Bank ] Account Number : XXXX As you may be aware, IRC Section 6050P and the associated Treasury Regulations mandate that applicable financial entities, including [ Discover Bank ], must issue a Form 1099-C when they discharge a debt. This is crucial for my tax filing and financial records. 
In the case of 'XXXX XXXX XXXXXXXX XXXX, it was held that failure to provide a 1099-C form could lead to penalties under IRC Section 6721 and 6722. I trust that [ Discover Bank ] is committed to its legal obligations and will promptly address this request. 
Please let me know if you need any additional information to process this request. 
I have previously submitted disputes because the account was compromised due to fraudulent activity. This account was opened by me but experienced fraudulent activity resulting in late payments, interest and closure. This is reflecting extremely negatively on my credit and needs to be removed asap please. FTC report resubmitted again account was opened by me but experienced unauthorized charges Thank you for your prompt attention to this matter. 
Best regards, [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I closed another bank account and brought in cashiers check and deposited it. It is not up there or pending.What happened to my deposit I have receipt.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>

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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

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