vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
There are 19 separate loans listed on my credit report. On XXXX XXXX, 2025, I received confirmation that my loans with XXXX were refinanced and transferred to a new servicer, XXXX. Therefore, the information currently reported by all three credit bureaus is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 19 separate loans listed on my credit report. On XXXX XXXX, 2025, I received confirmation that my loans with XXXX were refinanced and transferred to a new servicer, XXXX. Therefore, the information currently reported by all three credit bureaus is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am filing this formal complaint regarding a collection account being reported by Source Receivables Management for an alleged XXXX debt, account number XXXX. I want to make it clear that I have no knowledge of this debt, and I assert that this account does not belong to me. 

I have disputed this account multiple times with XXXX, but it continues to be marked as verified and updated without proper documentation or investigation. I submitted an FTC Identity Theft Report as part of my dispute, and I also sent a Debt Validation Request to Source Receivables Management. However, I have not received any validation of the debt, including : A signed contract or agreement, An itemized breakdown of the debt, or Proof that Source Receivables Management has the legal right to collect on the alleged account. 

Furthermore, I was a confirmed victim of the XXXX  data breach, which compromised sensitive personal information. This raises serious concerns about the validity and origin of this alleged account. I believe it is highly likely that this collection may be the result of identity theft stemming from that breach. 

Despite all of this, XXXX continues to report this unverifiable and likely fraudulent debt, causing damage to my credit profile and financial wellbeing. Reporting an unvalidated debt, especially in the context of identity theft, is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am disputing XXXX inaccurate public records being reported on my credit file related to " XXXX XXXX XXXX XXXX XXXXXXXX '' by LexisNexis Risk Data Retrieval Services LLC. These entries are listed as : XXXX Judgment for Plaintiff Satisfied ( XX/XX/year> ) XXXX Judgment for Plaintiff Satisfied ( XX/XX/year> ) LexisNexis claims the information was provided by the XXXX XXXX XXXX XXXX XXXX ( Jurisdiction Code : XXXX ). However, I have confirmed with the court that this information was either never provided in this form, is inaccurate, or is being misrepresented by LexisNexis. 

When I contacted LexisNexis to dispute the reporting and request validation, they failed to properly investigate or correct the information. They insisted the court supplied it, but did not provide documentation verifying the validity of the records. This misreporting has damaged my credit standing and prevented me from being approved for housing. 

Additionally, LexisNexis failed to mail me my consumer report for over XXXX months after I requested it, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). When I later submitted a dispute by phone, the representative failed to understand my complaint, and no meaningful resolution has been provided to date. 

This reporting is inaccurate, misleading, and a violation of FCRA obligations for consumer reporting agencies to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. I am requesting immediate correction or removal of these public records from my credit file. 
LexisNexis has falsely claimed that the court provided this information, but Maryland courts do not transmit public record data to third-party vendors, which is consistent with broader FCRA requirements. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Failing to independently verify or validate the accuracy of these records violates that provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of the recent data breach. Please remove and block accounts on my social security number due to breach.

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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
There are numerous dates and amounts. The issue is that all of my extra payments that are supposed to go to the principle somehow get reversed and then accepted to additional interest. In the month of XX/XX/year>2025 alone I paid a total of {$1600.00} of which only {$670.00} was applied to principle. This has been happening since I opened the loan. Ive gone to the bank to bring it to their attention specifically for the month of XXXX at which time my balance was adjusted by {$2.00}.

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 non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX XXXX Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 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  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt 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 2025-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We are in the process of applying for a VA assumable loan. Since XXXXXXXX  we have been in correspondence with PennyMac with limited correspondence back. We tried for weeks to contact our original loan officer, XXXX XXXX, with minimal luck. We then randomly receive an email from XXXX XXXX on XX/XX/XXXX requesting additional documents, several of which had already been uploaded. Since XX/XX/XXXX we have sent several emails and made several phone calls seeking clarification of what was actually needed/if the submitted documents were actually valid. I sent an email on XX/XX/XXXX. My husband sent an email on XX/XX/XXXX and XX/XX/XXXX. We have called weekly since then, including multiple times the week of XX/XX/XXXX and end up on an endless loop for the customer service line to just hang up. Our real estate agent and the sellers agent has also tried multiple times to contact the employees above by email with no response. We would like information on whether our documents are acceptable and an updated timeline of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by XXXX  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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
So, I received an offer to settle my loan with Capital One Auto because I was missing a payment. I was working with a third-party company to pay off the entire loan, and I was in communication with them. 

The next day, I was on the phone with an agent, the buyer, the buyer manager, and another representative. The information they provided was different from what I had received, which confused and cautious me. I didnt know what to do with the higher amount they offered. 

The car was worth the amount they offered, so I called back, and someone picked up immediately. I started asking questions, but their attitude and disrespectful behavior made me feel uncomfortable. I asked about the payment plan and where the money would go, but they gave me nonchalant answers. 

I wasnt sure if the settlement was still ongoing or what to do. I had been in the office for five hours trying to get them to pay, and I finally got it. I spoke to someone the day before, but now I was hearing this response. Everyone was baffled and shocked by the customer service. It seemed unfair and deceptive. There was no disclosure of the allocation, and it was beyond rude that they could go out of their way to make my day so difficult. 

I was just trying to get them paid off, given my circumstances. Ive been trying to get in touch with them and the other representative, but they werent working. Unfortunately, on their paperwork, it says 24 hours, and I had my information and credit card use breached before from this company. I didnt know what to expect after this.

Im still trying to get the settlement settled. Ive answered their surveys and complaints, but I havent heard anything back yet. This shouldnt be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I recently received a new Loan Modification Agreement from Shellpoint Mortgage dated XX/XX/XXXX. I can not accept the terms of the agreement for the following reasons : The modification agreement shows myself and my ex wife, XXXX XXXX XXXX, as borrowers. 
On XX/XX/XXXX I provided documentation, via email, to XXXX XXXX ( XXXX ) to show XXXX XXXX XXXX was no longer a party to the ownership of the property or a co-borrower on the mortgage. The documents included were a Final Decree of the dissolution of the marriage, filed XX/XX/XXXX and a Quit Claim Deed, recorded in the county clerks office of XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. I later called your Loss Mitigation Department to confirm those documents had indeed been received and recorded. 

In addition, the Loan Modification Agreement states that the first payment is due XX/XX/XXXX. Since I only received the documents to sign and return on XX/XX/XXXX making this payment by the due date is not possible. 
Page XXXX of the cover letter, XXXX XXXX, states, if the payments are made after their due dates, or in amounts different from the payment amount required, your mortgage may not be eligible for this assistance.

This states to me that I may already be in default of the terms of the loan and may become " ineligible for this assistance. 

For these reasons I request a new set of documents be created removing XXXX XXXX XXXX as a borrower and that the first payment of the new modification agreement be the first of the month following the signing and acceptance Of the new agreement. I understand the monthly payment and maturity date may be different from those stated on the agreement dated XXXX XXXX, XXXX. 

I will open a new complaint with the Consumer Financial Protection Bureau to address this issue and also file a complaint with my state Attorney General stating that after many months of completing the loan modification terms Including several sets of trial payment plans, Shellpoint Mortgage is negligent in providing accurate documentation and reasonable terms for the 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 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I am suppose to get a refund back from XXXX XXXX. They havent even processed it yet nor informed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of Harris & Harris XXXX Ltd., who is currently reporting a collection account on my credit report. This collection account is inaccurate, and I am requesting its immediate removal based on the following violations of my consumer rights under federal law : 1.

Failure to Provide Proper Validation of Debt ( FDCPA Violation - 15 U.S. Code 1692g ) Upon learning of the collection, I sent a timely debt validation request to Harris & Harris , Ltd. under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g ( b ), the collector must cease collection activities until the debt has been properly validated. However, Harris & Harris continued to report this collection to credit bureaus without providing adequate validation of the debt, in direct violation of federal law. 

2.

Reporting Inaccurate or Incomplete Information ( FCRA Violation - 15 U.S. Code 1681s-2 ) Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information must ensure the accuracy and integrity of what they report. Harris & Harris , Ltd. has failed to do so by : -Reporting an invalidated or potentially incorrect debt -Continuing to report the account after being notified of a dispute -Failing to properly investigate the dispute or correct the record This conduct is misleading and damages my credit profile. 

XXXX. 
Continued Collection on a Disputed Debt ( FDCPA Violation - 15 U.S.C. 1692e and 1692f ) Harris & Harris , Ltd. continued to pursue collection and report this account despite my formal dispute. This is a violation of : 15 U.S.C. 1692e Prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt.

15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect a debt.

Reporting a disputed and unvalidated debt to credit bureaus is both deceptive and unfair.

4.

Failure to Mark the Account as Disputed ( FCRA Violation ) As required by the FCRA, a furnisher must mark an account as disputed by consumer when a formal dispute is filed. Harris & Harris failed to indicate this on my credit report, which misrepresents the nature of the account and violates my rights under 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

This account does not reflect any updated or verified information that satisfies the requirements under FDCPA or FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
this company change my bank account history constantly. lie about the fact that they agreed to close my account on early XX/XX/XXXX. I have reported this to local police. and the police has witnessed that the bank won't let me assess the account, I have contacted credit bureaus report credit card stolen and they don't have my credit card information recorder. and I contacted bank XXXX they said the acount is closed, onece they said not, they said I hired a lawyer get involved in this issue, I didn't. then the Synchrony bank continue falsely report on XXXX XX/XX/XXXX to CFPB.

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 2025-05-18 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNKNOWN # XXXX XX/XX/XXXX -- {$430.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized charges that are negatively affecting my credit history. I am requesting that these charges be removed in accordance with the Fair Credit Reporting Act ( FCRA, Law 1681 ).

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