vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
My account was placed in forbarence due to XXXX suspension of processing applications and the loan servicer mohela reported to the credit bureau I was XXXX days delinquent when I was not. The servicer has said they do not handle remarks made on the credit report however they failed to report that my account is in a forbarece status. This caused my credit score to drop over XXXX points. They refuse to revise their reporting to the bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
XXXX XXXX XXXX send me a rest to pay XXXX .I forward a certify letter to proof if the debt mines. They never responded. They keep selling the debt to different company now to Still man law office. I also forward a letter to them.they all fail to correspondence. But both have call threatenr me. They going to take me court take my money garnish my wages.with no proof if the debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request a hardship forbearance and a review of my student loan obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am currently facing financial difficulties that prevent me from making my student loan payments at this time. Additionally, I did not complete my education and would like to explore my legal rights regarding this debt.

Request for Debt Validation Under the FDCPA ( 15 U.S. Code 1692g ), I formally request that Nelnet provide complete validation of my student loan debt, including : A copy of the original loan agreement with my signature, proving I am legally responsible for the debt. 
A full breakdown of the principal balance, interest, and any fees applied to my account. 
Proof that Nelnet has the legal authority to collect this debt. 

Until I receive this validation, I formally dispute the debt and request that all collections be halted per federal law. 

Request for Hardship Forbearance Due to my financial hardship, I am requesting an extended administrative forbearance under Title IV of the Higher Education Act. I am unable to make payments at this time, and my current financial situation qualifies me for additional relief.

Alternative Options If forbearance is not possible, I request guidance on other repayment or discharge options, including : Income-driven repayment plans Loan discharge due to incomplete education Deferment due to economic hardship Credit Reporting Compliance Additionally , under the FCRA ( 15 U.S. Code 1681i ), I request that my credit report be reviewed to ensure that no inaccurate, misleading, or unfair negative marks related to this loan are reported. If any incorrect information is found, I request immediate correction or removal. 

Conclusion Please consider this letter as my formal request for relief. I expect a written response within 30 days, as required under federal law. If my request is denied, I ask for a detailed explanation, along with any alternative options available. 

Thank you for your prompt attention to this matter. Please provide your response in writing to the address listed above or via email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent a paid in full letter. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account is in positive : account is current. They did not report the account was closed and paid in full. 
XX/XX/XXXX I spoke with XXXX Credit Bureau which states XXXX XXXX XXXX reports I owe a balance of XXXX, this is inaccurate information. They also stated that XXXX has reported XXXX additional times of inaccurate information after vehicle was paid off.

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 2025-03-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$330.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$570.00} Open Date XX/XX/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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Account is showing up on my credit report as a paid collection. When I've never had any financial dealings with the company and paid off debit to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
XXXX first letter sent This letter is sent in response to discovering this debt on my credit report. I am requesting that you provide verification of this debt.Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Second letter was sent XXXX This letter is sent in response to a letter received by you on date XX/XX/year> received the letter. I am requesting that you provide validation of this debt. 

Send the following information : Complete and signed contract/Lease from the original creditor ( between me and the original contractor ) ; the assignment contract ( between you and the ordinal creditor ) ; whether this debt is within the statute of limitations and how that was determined. All Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

This information requested has not been given to me per my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Hello my Name is XXXX XXXX XXXX I am writinf to dispute de following item on my credit report, ,i have circled the item in dispute on the attached copy of my report Location XXXX CAPITAL ONE XXXX XXXX VA XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
15USC 692C, you have violated my right to legal communication, please immediately remove this collection from my credit report, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
On XXXX XXXX I spoke with financial aid about my student loan and was told I only owe {$1500.00}. On my credit report its showing {$3500.00}, {$2100.00}, {$1500.00} and {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX SUBJECT : Request for removal of unauthorized credit inquiries Dear Equifax representative, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed inquiries that I did not authorize, and request their immediate removal. 
The following inquiries appear on my credit report without consent. 
- XXXX XXXX XXXX XXXX - XX/XX/XXXX actions taken on XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX action taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX action taken on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only appear on my report with my explicit authorization. Since I did not authorize these inquiries, I request that they be removed promptly. 
I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of these unauthorized inquiries. 

If these inquiries were made due to identity theft or fraud, please advise me on the appropriate steps to take to further protect my credit. 

Thank you for your prompt attention to this matter. I appreciate your assistance in maintaining the accuracy of my credit report. Please contact me at ( XXXX ) XXXX or XXXX should you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX  XXXX - XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/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 explanation
Consumer complaint received 2025-03-17 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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Robert W. Warner & Associates, P.C.
State: MI

Complaint narrative:
Complaint Against Warner Law Firm for Wrongful Garnishment Enforcement Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Warner Law Firm regarding their wrongful garnishment enforcement and failure to comply with Michigan and federal consumer protection laws. Despite my full compliance with a legally binding payment agreement, Warner Law Firm has proceeded with improper garnishment actions against me, causing undue financial harm.

Summary of the Complaint Warner Law Firm Entered a Payment Agreement and Later Ignored It On XX/XX/XXXX, I proposed a structured repayment agreement for a balance of {$1000.00}. 

On XX/XX/XXXX, Warner Law Firm accepted this agreement in writing, legally binding both parties to its terms.

Since then, I have made four ( 4 ) consecutive, timely payments toward this balance.

Despite My Compliance, Warner Law Firm Initiated an Unlawful Garnishment On XX/XX/XXXX, I received a notice from the Michigan Department of Treasury stating that my tax refund was being garnished despite my active payments. 

Under Michigan law ( MCL XXXX ), once a repayment agreement is in place, a creditor must file a release of garnishment and notify the court and state authorities. 

In XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX ), the court held that creditors can not take enforcement actions, such as garnishment, when a debtor is actively fulfilling a repayment agreement.

Warner Law Firm failed to notify the court and the Michigan Department of Treasury, allowing an unjust garnishment to occur.

Warner Law Firm Falsely Claimed I Misled Them About the Garnishment Warner Law Firm falsely alleged that I misrepresented the prospect of a tax garnishment.

At the time of the agreement, I believed I owed back taxes and was informed by the IRS that I would not receive a refund. 

I acted with full transparency and requested a structured payment plan to avoid any collection actions, proving I was acting in good faith.

I have email records proving that I requested the firm cease garnishment efforts, further proving my intent to resolve this matter properly.

Violation of Consumer Protection Laws Warner Law Firms acti
ons constitute : Unfair and deceptive collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Failure to adhere to Michigan consumer protection laws ( MCL 445.901 et seq. ). 

Breach of contract by disregarding the legally binding payment agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the 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 2025-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief