vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX due to accounts being charged off and I personally never received a 1099-C form. I also filed a dispute on XXXX because it is reporting on credit file, and it was the account was paid in a settlement. I also filed a dispute several times on XXXX XXXX who sold my account to XXXX XXXX XXXX. I also filed a dispute on XXXX XXXX XXXX XXXXeporting on my Experian report and due to a data breach, my student loan information was compromised-FERPA. Lastly, I disputed a BankruptcyXXXX, Texas that XXXX reporting on my Experian credit report. I sent in the stamped letter from the court stating that they do not report my information to the credit bureaus. They refused to remove this from credit report. According to Rule 9037 is should not be on my credit report. Experian denied following up with the investigation. I recently was notified the CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting that these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a car among other things. I really need a new car right now the one I have is failing me. Experian is violating my rights as a consumer, as well as federal laws.

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of a collection account that has been sold to another agency.

1. Inaccurate Reporting The balance is incorrect and it was never written off with that balance to my knowledge and is incorrect. Under FCRA 1681s-2 ( a ), furnishers must report only accurate information.

2. Failure to Notify I was not properly informed before this negative mark was placed on my report, violating FCRA 1681s-2 ( a ) ( 7 ).

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
The XXXX XXXXXXXX 's legal counsel, attorney XXXX XXXX ( XXXX, XXXX & XXXX ) repeatedly violates of the Fair Debt Collection Practices Act ( FDCPA ), and has documented schemes of fraudulent inducement to extract funds via deceptive fines in conjunction with a corrupt HOA President XXXX XXXX and XXXX XXXX XXXX. 
Violation of the FDCPA by attorney XXXX in XX/XX/XXXX by levying fines ( {$350.00} ) and legal fees ( {$380.00} ) absent NOTICE and any judicial determination. These fines were based on demonstrably false statements by XXXX, refuted by witnesses and video evidence. 
Abuse of process by attorney XXXX through the filing of fraudulent and frivolous motions for legal fees totaling {$3200.00} in XX/XX/XXXX and XX/XX/XXXX, both denied by XXXX XXXX judges. This action was intended to cause emotional distress to XXXX XXXX and financial harm to myself in retaliation for my threat to report attorney XXXX XXXX to the XXXX. 
XXXX 's Issuance of a fraudulent {$1000.00} fine in XX/XX/XXXX predicated on a specious claim of extortion, demonstrating attorney XXXX 's professional malpractice through the dissemination of false legal information. The assertion of libel and slander regarding truthful statements about XXXX, XXXX, and XXXX is baseless and itself potentially defamatory. 
XXXX 's sending a fraudulent {$700.00} fine letter in XX/XX/XXXX, containing demonstrably false accusations regarding XXXX XXXX ' conduct towards XXXX XXXX, days after the second judicial denial of legal fees. 
Attorney XXXX failed to provide requested videos and other evidence related to the {$700.00} fraudulent fine, constituting a spoliation of supposed evidence. I assert no evidence was sent because EVERY CLAIM in the letter IS untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

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 # XXXX XX/XX/XXXX -- {$980.00} A+ XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$710.00}

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 explanation
Consumer complaint received 2025-04-11 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2025, Truist Bank charged my joint checking account {$160.00}. The charge stated right of offset for a lightstream account which is only a debt related to my spouse, not me. My spouse did not authorize this charge. Truist violated my rights as joint account owner by taking funds out of the account they were not authorized. If Truist does not rectify this situation I will be looking for another bank.

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 2025-04-11 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: AZ

Complaint narrative:
I am on the SAVE plan which is under scrutiny and undergoing legal litigation. During this time all SAVE loan payees have been placed under administrative forbearance. According to the student aid government website, those in administrative forbearance should be accumulating Interest. I have began to be a charge interest even though my loans still show administrative forbearance which a direct contradiction to the government aid standard established on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general.

If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on le for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law

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 2025-04-11 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: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Newrez referencing a secure message from Shellpoint Mortgage, with instructions to click a link. The link directed me to the Newrez customer portal, where I accessed a letter dated XX/XX/year>. The letter, labeled as general correspondence from Shellpoint Mortgage, states that a modification approval letter was mailed/sent to us on XX/XX/year>. 

As of today, XX/XX/year>, we have not received the approval letter mentioned. We kindly request that a copy of the modification approval letter be provided to us 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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The personnel at Chase Card Services suggested that I pay chase direct to a Chase internal ledger account and I did so. My bank confirmed that payment of {$580.00} was made to Chase account XXXX. Chase now refuses to credit me for payment made, effectively stealing my money. 

Chase knew or should have known that they would " lose '' payments if made direct to the Chase internal ledger bank account. This was deceptive and abusive. 

This is a pattern for Chase. They " lost '' a payment I made in XX/XX/year>, falsely reported me as delinquent in order to put pressure on me, and finally induced me to pay them another {$3400.00}. Now they are again collecting money twice. It is a highly abusive trap from which there is no escape. 

I am attaching proof of payment from my bank which is proof that Chase is double-dipping by pocketing payments without crediting the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: OH

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.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-04-11 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: PA

Complaint narrative:
I am submitting a formal complaint against EXPERIAN regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

These are the accounts that I am referring to : XXXX  XXXX Balance : {$260.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/year> I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151.

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 2025-04-11 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: TX

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In a call with the company on XXXX ( with XXXX ), I was told that I had to wait for a code to be mailed to me in order to verify my request to close a CD ending in XXXX and transfer the funds to another account. This was a different procedure from what I was asked to do on a previous call with the company on XX/XX/XXXX ( with XXXX ). 

In fact, a transfer request with my signature was already made for the CD ending in XXXX ( XX/XX/XXXX maturity ) by mail to Transfer Request forms, for multiple CDs, via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The transfer request was for a check to be mailed to XXXX upon the maturity of the CD on XX/XX/XXXX. Since XXXX had no record of this transfer request, but XXXX did, I feel that I have no choice but to escalate my issue in this complaint venue. 

Additionally, since every phone call I make to Synchrony results in an hour-long hold times, I am filing a formal complaint for the run-around that I'm getting from the bank. I am in my XXXX and the only caregiver to my wife with XXXX. I am seeking the

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 2025-04-11 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this formal complaint against the national credit reporting agencies due to their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B / 15 U.S.C. 1681c-2.

My Identity Theft Report ( FTC Report # XXXX ), government-issued ID, and proof of address were submitted to the credit bureaus. Despite this, they have failed to permanently block and remove the following fraudulent accounts and personal information within the 4 business days required by law.

This continued reporting of false information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate this information once a valid identity theft report has been submitted. They are legally obligated to block the information and send me corrected reports within 15 calendar days.

Their failure to comply is not only negligent but also willful. I am requesting your urgent intervention to enforce the law and ensure the immediate and permanent removal of all fraudulent data. I am also requesting an investigation and penalties for each violation, as allowed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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