vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
On XX/XX/XXXX, XXXX XXXX XXXX, residing at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX, filed a formal dispute with Equifax regarding fraudulent and egregious inaccuracies on her credit report dated XX/XX/XXXX, which have severely damaged her financial standing, as evidenced by her XXXX Score XXXX of XXXX the U.S. consumer average. The report falsely lists negative accounts and a collection : XXXXXXXX XXXX ( Page 5 ), reported as 120+ days past due with 9 late payments, balance {$5700.00}, past due {$1400.00} ; XXXX XXXX XXXX  Account Number : XXXX, Page 14 ), a closed account with XXXX potentially negative months, balance {$720.00}, past due {$720.00}, credit usage 180 % ; and XXXX XXXX XXXX XXXX Account Number : XXXX, Page XXXX ), a collection account for {$810.00} with original creditor XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These violations breach the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) and 1681i ) and Metro 2 standards, including : missing payment history ( Metro 2 4.3, Field 17B, bytes XXXX ) for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ; missing last payment date for XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, bytes XXXX ) ; inaccurate credit usage for XXXX XXXX XXXXt 180 % ( XXXX XXXX XXXX, XXXX XXXX and XXXX ) ; missing date of first delinquency for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, bytes XXXX ) ; and unverifiable past-due amounts ( XXXX XXXX XXXX, Field XXXX ). Equifaxs systemic noncompliance, including its sham investigations uncovered by the CFPB in XXXX XXXXwhere Equifax ignored consumer evidence, allowed deleted inaccuracies to reappear, and issued contradictory investigation resultshas caused XXXX XXXX severe emotional distress, financial harm, and lost opportunities. The CFPBs XX/XX/XXXX order fined Equifax {$15.00} million for these failures, yet Equifax continues to harm consumers like XXXX XXXX by refusing to correct these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have been on the SAVE plan for over a year and half or more. My loans are serviced through Mohela. Last summer ( XXXX ) all borrowers under the SAVE plan were supposedly placed in administrative forbearance. Since last summer, my account has read that I am overdue {$16.00}. everytime I attempt to make a payment on it, the payment is refunded. I have attempted this over 7 different times. inevitably, every single time its refunded, i return to my account and see that it still shows that I anm overdue the same amount- {$16.00}. I have attempted to resolve this with mohela directly who assured me that it was a mistake and that it would be removed- but it hasnt been. I also checked my individual loans, and each one says loan status : Awaiting Form Administrative Forbearance- i dont know what this means, but I am very unhappy as its nearly impossible to get in contact with Mohela ( 3 hour plus wait times and often you never get a call back ), and I am concerned that this has effected my credit score, as ive had a past due account for months and months now, completely unable to change it even by paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
The credit bureaus are working against me with my creditors to keep my credit scores low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
this is saiid XXXX XXXX im am requesting all 4 to remove all of internal blocks off my Crdit reports hears my ssn and drivers licenses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EdFinancial Services
State: DC

Complaint narrative:
THE DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO ED FINANCIAL, I RECEIVED A LETTER FROM ED FINANCIAL STATING THAT THE ALLEGED LOAN WAS PAID IN FULL AND YET IT CONTINUES TO REFLECT INACCURATE INFORMATION ON MY CONSUMER REPORT AND PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, 2. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( 3 ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN SIX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a dispute on my card and provided evidence and the company is denying my dispute. They are very rude when speaking with them and when I ask for a supervisor they say they don't have one or that the supervisor is just going to tell me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account 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.

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 2025-03-28 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Email Address ] [ Date ] January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NY XXXX RE : Formal Dispute and Demand for Proof of Legal Authority to Collect Account Ending in XXXX To Whom It May Concern, This letter is in response to your XX/XX/year>, communication claiming I owe a balance of {$1400.00} for an alleged XXXX  purchase financed by XXXX XXXXXXXX. Please be advised that I am formally disputing this alleged debt in its entirety under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

You Are Required to Prove Legal Standing As January Technologies , Inc. is now claiming to collect this debt, you must provide full verification of your legal authority to do so. Specifically, I am requesting : XXXX. A complete Debt Collection Authorization Agreement or Signed Retention Agreement If you are collecting on behalf of XXXX XXXX XXXX, you must provide a valid contract showing that XXXX has legally authorized you to collect this specific debt. 
2. A valid and certified Purchase Agreement If January Technologies , Inc. is acting as a debt buyer, I request the full purchase and sale agreement, including the chain of assignment, proving the legal transfer of ownership from XXXX XXXX XXXX to your company. 
This must include clear identification of the debt, including my name, the account number, and the total balance at the time of transfer. 
XXXX. Proof that the debt has not been resold or assigned to another entity If the debt was transferred, January Technologies has no authority to collect. 

Delete the Account and Cease All Collection Immediately Until you can provide full legal documentation proving your standing to collect, I demand that you : Delete any record of this alleged debt from your system Cease all collection efforts immediately and permanently Confirm in writing that you will not report this alleged debt to any credit reporting agency Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney General. Continued collection without valid proof of authority constitutes a violation of the FDCPA and state consumer protection laws. 

I expect a full response within 15 days of receiving this letter. Silence or failure to provide the requested documentation will be taken as your inability to validate the debt or prove legal authorityand all further actions will be treated as unlawful. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In early XX/XX/year>, I applied online to open a high-yield savings account with Ally Bank . My application was rejected with a message saying my identity could not be verified. I called customer service and was told I would receive a letter in the mail explaining the issue. I never received that letter. 

Roughly 23 weeks later, in late XXXX, I tried applying again. My application was rejected for the same reason. I called Ally again and asked for more information about what was wrong and whether I could resolve it. I was told again that I would receive a letter, but no one could tell me what the problem was or how to fix it. 

This experience left me feeling confused, ashamed, and humiliated. I suspect that my application may have been flagged due to having a limited credit file or non-traditional ID, as I do not currently have a drivers license. I believe Allys account approval process is opaque, inaccessible, and needlessly alienating for people with limited income or those outside conventional financial systems. 

Ally advertises that there are no minimums and no judgment, but their process told a different story. I am filing this complaint because I was given no clear answer, no help, and no way forwardtwice.

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 2025-03-28 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: NC

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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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