vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: CA

Complaint narrative:
I was called by an unidentified collections company that did not disclose their name or reason for the call on XX/XX/year> XXXX at XXXX. This person did not verify my identity on the call before discussing the " debt '' nor did they disclose that the call was being recorded. The person who called used harassment tactics including inappropriate language, belittling language, threatening further legal actions, and when I said they can speak to my lawyer they claimed that I did not have a lawyer. They claimed that I could have refused to move into my apartment if it wasn't properly maintained and that it was my fault that the leasing agent did not have repairs done or the property properly and legally maintained. They also refused to provide me with any information regarding the debt which I asked for. 

This call was from a new number, after I blocked a previous number which they would call from at XXXX and XXXX, again refusing to disclose the debt, provide me with copies of the paperwork and how they got my information. 

They violated several laws, listed below. In addition, the actual leasing agent never once called, emailed, or mailed me regarding this " debt '' before collections started contacting me aggressively at that. I am not indebted to them, as they violated the lease which I have written proof of on more than 10 occasions after months of written requests for repairs, remedies, or explanation of unauthorized fees not included in the lease being verified. I had movers move me out and have proof of my final walk through photos. 

This debt which is listed on my credit report is shown as IQ Data XXXX 

XXXX XXXX XXXX  XXXX, WA XXXX ( XXXX ) XXXX violated laws by this company and caller XXXX XXXX XXXX XXXX et seq. 
within 5 days of a debt collector first contacting you they must send a validation notice that tells the amount owed, name of creditor, and how to dispute the debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
i am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 u.s.c. 1681i, Which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 u.s.c. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File NO. XXXX ) against them for similar violations. i request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was trying to purchase a legal product online and my payment was blocked along with my checking/savings accts and I was provided a number to call. After calling and jumping through hoops I was told my acct was blocked for my " own protection '' and I needed to further verify who they were speaking to. I answered all their questions, verifying myself to XXXX different people but they refused to unblock by acct. In addition, it was demanded I tell them what I was buying and why I wanted to buy it. Keep in mind, I'm XXXX yrs old and haven't accounted to anyone as to what I buy for over 50 years. Not only did they block payment of the item I was attempting to purchase, they blocked my access to my checking and savings accounts, denying me access to my funds. They refused to say why they were " debanking '' me even though I correctly answered their questions and hung up on my XXXX because I refused to accept their answer - " we're protecting our reputation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I submitted a payment on XX/XX/XXXX and was notified on XX/XX/year> that XXXX  payment was not accepted until I provided an extra {$210.00} and I did not receive notification about this requirement before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent multiple complaints via CFPB but I dont know why these negative items are still on my credit report when I have done my part and explained to you that these correspondence are all invalid and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I have sent multiple complaints via CFPB but I dont know why these negative items are still on my credit report when I have done my part and explained to you that these correspondence are all invalid and 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Department of Education violated FERPA laws FCRA 61 ( a ) ( 1 ) ( a ) by allowing Doge to access my private data. Also transferring my loan without consent to the SBA.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-15 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: FL

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report, and I have no clue where they came from. I regularly check my report, but this time I found unexpected errors. I even tried refreshing the page in case it was a glitch, but the issue remained. These incorrect accounts stayed on the report. I'm requesting a detailed review of the documents I submitted to ensure this matter is resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EdFinancial Services
State: AL

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Dear Representative, I am writing to formally contest the inaccuracies and breaches identified in my credit report, and to request corrective measures and compensation for the violations of the Fair Credit Reporting Act ( FCRA ). Here I present a comprehensive overview of the identified issues, accompanied by my formal request for resolution. 
Discrepancies in Documented Statements XXXX ( Account XXXX ) There is an error in the payment history : Late payment entry has been incorrectly documented. 
Violation Amount : { {$1000.00} } ( Account XXXX ) Violation amount : ( Account XXXX ) Legal Violations XXXX  : Failure to remove disputed late payment entry, violating FCRA provisions. 
Compensation request : I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : { {$1000.00} } ( statutory amount ). 
Total violations : XXXX Total compensations requested : { {$2000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial data wlmay have been compromised violating FERPA. I request full cancelation of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have gotten sick and XXXX  that was due to me laid off from work that prevented me from being able to pay like I was supposed to monthly to pay off my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am unable to access my Experian credit report because they have incorrect address information on file. Ive repeatedly contacted them and have been placed on hold for hours without resolution. The website says my report cant be shown due to mismatched personal information. I am a paying customer, and this prevents me from viewing updates to my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my file and have my information corrected. I am requesting the CFPB to investigate and compel Experian to update my address to XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and restore access to my report 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 2025-04-15 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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
They keep charging me for home insurance because they claim I dont have any. XXXX all started early XXXX and has been ongoing ever since. I have provided proper proof both through their portal and directly through email multiple times. 

I have called and been assured that the issue has been resolved XXXX  times however they still have not fixed the issue and even charged me {$470.00} from my escrow account last year. 

Now I am receiving notices that they will renew that same fraudulent policy again starting XX/XX/XXXX. 

The most recent time i called they told me that they had technical difficulties and that they would call me back which of course they never did. At this point I pretty certain im getting the run around. 

Im not sure what options or protections i have against NewRez LLC at this juncture.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I can not see my credit report or get into the accounts because I am a victim of identity theft and the security questions I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-15 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: HI

Complaint narrative:
I took out private subsidized loans from XXXX XXXX XXXX starting in XXXX through the end of XXXX. I dropped out of XXXX XXXX  and XXXX  months later in XXXX of XXXX I started repaying my loans. In XX/XX/XXXX I received an email from Edfinancial Services that an account was ready for me to start repayment services. I never signed up for any type of assistance with refinancing my loans and have been paying them on time for the past 3 years ( during COVID as well ) privately through XXXX XXXX  XXXX  and then XXXX  transferred my loans to XXXX in XX/XX/XXXX. I have since been paying my loans still on time every month through XXXX. I received notice this month, XX/XX/XXXX that I have missed payments through Edfinancial and my XXXXredit score took a XXXX point hit. When I tried to login to Edfinancial I have no login because I never started an account and when I try to say forgot login and look up my name, DOB, and SSN ; it says I dont exist in their system. How do I have a negative balance impacting my credit score this badly with a service and company I dont exist in? Ive tried for the past week to contact Edfinancial about the issue and have had no luck because every time I make progress through chat bots to attempt to speak to a real person it asks for my acccount number that I dont have and I dont get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I submitted my 60 day notice to move signed by myself and the manager of the complex and received an eviction notice with bogus charges and fees when I moved out stating that I didnt pay utilities, rent, didnt proved notice to move, ect. I sent a demand letter XXXX XXXX with documents proving the claim was false and got no response. It is now on my credit report for over {$10000.00} debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief