vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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 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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC
State: TX

Complaint narrative:
I checked the account the account associated with Asset Recovery Bureau ( {$1300.00} ) on and there were XXXX phone number listed for contact that I couldnt remove off of the account that were notified about the debt. One is a relatives number, XXXX, the other is XXXX which I dont recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
There are still XXXX outstanding issues on with this loan servicer 1 ) After stating my claim for XXXX  approval was effective, as of XX/XX/year>, I have had XXXX XXXX  payments deducted from my escrow account... on XX/XX/year> and XX/XX/year>. In my previous complaint, the initial payment taken, was to be refunded back to me. Now an additional payment has been deducted. 

2 ) In my same letter, sent on XX/XX/year>, there was a request for my escrow account to be closed. It has been over a month, at this point, and that is also still not done.

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 2025-05-16 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-05-16 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 2025-05-16 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: GA

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.

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 2025-05-16 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX RE : Complaint Against DPT EDXXXX ( U.S. Department of Education XXXX XXXX XXXX for FERPA Violation and Unlawful Credit Reporting To Whom It May Concern, I am filing this formal complaint against DPT EDXXXX ( Department of Education XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX regarding what I believe to be a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), and improper credit reporting practices under the Fair Credit Reporting Act ( FCRA ).

This loan servicer has accessed and reported information to consumer reporting agencies without my written consent and without a valid permissible purpose under FERPA. Educational records, which include financial aid and student loan details, are protected under FERPA and may not be disclosed to third partiesincluding credit bureauswithout proper authorization from the student or a legal exception.

I have not provided consent for such reporting, and I believe this reporting constitutes a violation of my privacy rights under FERPA. Additionally, I am requesting that this matter be investigated for potential FCRA violations, including the reporting of inaccurate or incomplete information to XXXX XXXX, and TransUnion. 

This inaccurate or unauthorized reporting has caused harm to my credit score, restricted my financial access, and created emotional and economic distress. I have attempted to resolve the matter directly but have not received a valid resolution from the servicer.

I respectfully request that the CFPB : 1. Investigate DPT EDXXXX for potential FERPA violations 2. Require documentation proving valid consent for reporting my student loan information 3. Ensure the immediate removal of any unauthorized or unverified entries from all consumer reporting agencies Thank you for protecting the rights of consumers and students. My identification, supporting documents, and excerpts of my credit report showing the accounts in question will be provided upon request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Complaint Against DPT EDXXXX ( U.S. Department of Education / XXXX XXXX for FERPA Violation and Unlawful Credit Reporting To Whom It May Concern, I am filing this formal complaint against DPT EDXXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX regarding what I believe to be a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), and improper credit reporting practices under the Fair Credit Reporting Act ( FCRA ). 

This loan servicer has accessed and reported information to consumer reporting agencies without my written consent and without a valid permissible purpose under FERPA. Educational records, which include financial aid and student loan details, are protected under FERPA and may not be disclosed to third partiesincluding credit bureauswithout proper authorization from the student or a legal exception. 

I have not provided consent for such reporting, and I believe this reporting constitutes a violation of my privacy rights under FERPA. Additionally, I am requesting that this matter be investigated for potential FCRA violations, including the reporting of inaccurate or incomplete information to XXXX Equifax, and XXXX 

This inaccurate or unauthorized reporting has caused harm to my credit score, restricted my financial access, and created emotional and economic distress. I have attempted to resolve the matter directly but have not received a valid resolution from the servicer.

I respectfully request that the CFPB : 1. Investigate DPT ED/XXXX for potential FERPA violations 2. Require documentation proving valid consent for reporting my student loan information 3. Ensure the immediate removal of any unauthorized or unverified entries from all consumer reporting agencies Thank you for protecting the rights of consumers and students. My identification, supporting documents, and excerpts of my credit report showing the accounts in question will be provided upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Complaint Against DPT EDXXXX ( U.S. Department of Education XXXX XXXX XXXX for FERPA Violation and Unlawful Credit Reporting To Whom It May Concern, I am filing this formal complaint against DPT ED/XXXX XXXX Department of Education XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX regarding what I believe to be a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), and improper credit reporting practices under the Fair Credit Reporting Act ( FCRA ).

This loan servicer has accessed and reported information to consumer reporting agencies without my written consent and without a valid permissible purpose under FERPA. Educational records, which include financial aid and student loan details, are protected under FERPA and may not be disclosed to third partiesincluding credit bureauswithout proper authorization from the student or a legal exception.

I have not provided consent for such reporting, and I believe this reporting constitutes a violation of my privacy rights under FERPA. Additionally, I am requesting that this matter be investigated for potential FCRA violations, including the reporting of inaccurate or incomplete information to Experian, XXXX XXXX XXXX 

This inaccurate or unauthorized reporting has caused harm to my credit score, restricted my financial access, and created emotional and economic distress. I have attempted to resolve the matter directly but have not received a valid resolution from the servicer.

I respectfully request that the CFPB : 1. Investigate DPT EDXXXX for potential FERPA violations 2. Require documentation proving valid consent for reporting my student loan information 3. Ensure the immediate removal of any unauthorized or unverified entries from all consumer reporting agencies Thank you for protecting the rights of consumers and students. My identification, supporting documents, and excerpts of my credit report showing the accounts in question will be provided upon request. 

Sincerely, 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 2025-05-16 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am the sole borrower on a mortgage through PenFed Credit Union. My spouse, who is not on the loan, filed for XXXX  XXXX bankruptcy. PenFed wrongfully flagged my account as part of the bankruptcy and has denied me online access and the ability to make payments since XX/XX/year>. I provided a letter from my spouses bankruptcy attorney confirming I am not involved, but PenFed has refused to remove the restriction. I mailed a check payment on XX/XX/XXXX that still has not cleared. Their actions may harm my credit and violate the FCRA and RESPA. I am seeking immediate account restoration and confirmation that no negative credit reporting is being done.

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 2025-05-16 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: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX BALANCED {$260000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$9800.00} XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX BALANCED {$260000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$9800.00} XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
It was a account that was not supposed to be in my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account MIDLAND CREDIT MANAGEMENT # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. IF you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Financial is reporting two 30-day late auto payments on my credit report from XX/XX/XXXX and XX/XX/XXXX, despite a positive payment history ( 95 % on-time payments, {$40000.00} loan opened XX/XX/XXXX, term : 75 months, $ XXXX ). 

I respectfully request a goodwill adjustment and deletion of these late marks based on my overall responsible history and personal COVID 19 related hardship at the time. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( 15 U.S.C. 1681i ), all information furnished must be accurate, and I am exercising my right to challenge any information that can not be verified or does not reflect a fair reporting picture.

The derogatory entry severely affects my credit standing despite my commitment to making timely payments since. I request that Ally Financial either verify and justify this late mark or remove it as a gesture of goodwill. 

If they can not produce documented evidence of the delinquency or are unwilling to make a fair adjustment, I request CFPB intervention to ensure a fair credit reporting outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: GA

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

Company 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation