vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Okay, here are XXXX separate complaint letters drafted to the CFPB, XXXX targeting the Department of Education and the other targeting XXXX, based on the issues outlined in your original dispute letter. 

Letter XXXX : XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, Iowa XXXX ( Or via online submission at XXXX ) Subject : Formal Complaint Against U.S. Department of Education Inaccurate Reporting and Oversight of Federal Student Loan Data XXXX XXXX XXXX XXXX Acct # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against the U.S. Department of Education XXXX XXXX ) concerning significant and persistent inaccuracies related to federal student loan data appearing on my credit reports issued by XXXX XXXX XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. These inaccuracies pertain to loans identified under Account # XXXX, which are serviced by XXXX on behalf of the XXXX. 

As the guarantor and ultimate owner of these federal student loans, the Department of Education bears responsibility for the integrity and accurate reporting of associated loan data, including oversight of its designated servicers. My credit reports reveal numerous inconsistencies and likely errors concerning these DoED loans, including : Conflicting Balances : The outstanding balances reported for the same loan ( XXXX ) differ across the XXXX major credit reporting agencies ( CRAs ). 
Inconsistent Delinquency Status : The reported delinquency status ( e.g., days past due ) is inconsistent across the CRAs for the same reporting periods. 
Varying Due Dates : The reported due dates associated with the loan ( XXXX ) are not uniform across the bureaus. 
Potential Duplication/Incorrect Splitting : The manner in which the loans are listed suggests potential duplication or inaccurate separation of loan components. 
Outdated Severe Delinquency : Some entries reflect a status of XXXX days late despite showing no documented activity or updates since XXXX, raising questions about their current validity and accuracy. 
These discrepancies create a confusing and inaccurate representation of my obligations and payment history, violating the principles of accuracy mandated by the Fair Credit Reporting Act ( FCRA ). While XXXX is the servicer directly furnishing data, the fundamental inconsistencies suggest potential issues with the underlying data managed or overseen by the XXXX, or inadequate oversight of servicer reporting practices. This situation negatively impacts my creditworthiness based on flawed information originating from XXXX loan programs.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently came across a credit inquiry on my report that I dont recognize. I didnt apply with this company, nor did I authorize any credit check. This unexpected activity is concerning and causing me a great deal of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Apple and Goldman Sachs were found to have misled consumers about how refunds would be applied to Apple Card Monthly Installments, leading to unexpected interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Chime Financial Inc
State: FL

Complaint narrative:
XXXX still missing from chime. They issued me partial refund, but this ongoing battle for XXXX months, they keep saying submit proof, in which i did XXXX  times. Promise after promise to return money. Only for them to say " just kidding ''., -- im XXXX and that was my social security checks that is not being returned to me. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
Its Reporting late payment from XXXX In XXXX in the account is paid in closed

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
In XX/XX/2025, I wrote a letter to Credit Collection Services regarding XXXX accounts they placed on my credit report. Requesting validation of this debt, I've attached the original letter and the certified return receipt showing they received the letter. 
XXXX  Days passed and I did not hear back from them. I gave them a call to see if they could provide me with any proof of this debt and they said no that I owed the money. I pulled my credit again in XX/XX/2025 and they have added ANOTHER collection account. 
I called today which is XX/XX/2025 to discuss how to get information for all three accounts. The rep was rude, condescending and wanted me to pay and would not give me any further information. When I told him he was violating FCRA and FDCPA he said " do you even know what those stand for? '' then proceeded to tell me " Ill see you in court ''. 

That all being said there is many issues with this collection tactic. 
XXXX ). I never received ANY notification of collections to dispute this in the first place, not by mail, not by email or by phone. ( Fair Debt Collection Practices Act ( FDCPA ), specifically section XXXX of Title XXXX of the United States XXXX ) XXXX ) He threatened to " sue '' me and this is violating Section XXXX, makes it illegal for debt collectors to threaten lawsuits they don't intend to file This is abusive and unfair collection tactics. I do not owe this money, they have not provided me any documentation with any agreement that Im legally obligated to pay them. 

Ive attached the letter for validation, the XXXX credit bureau accounts and the certified return receipt showing the signed for the letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX  of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I purchased a car through credit acceptance financial and XXXX months after I purchased the car the motor went out in the vehicle, leaving me without a car. I reached out to them explaining that the car will now need a motor and that they can come get the the car since they refused to assist with the motor replacement. Since then i have been XXXX  via phone and have taken a major hit on my credit because they are reporting inaccurate information. I would like this removed from my credit 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 2025-04-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In response to CFPB Complaint # XXXX this is to formally notify you that I am no longer represented by XXXX XXXX XXXX or any other legal counsel. I respectfully request that all communication moving forward be directed to me in writing, as I will not be communicating by phone in order to maintain a clear and verifiable paper trail. 

I am writing to dispute the continued reporting of XXXX on my credit report. This account was settled under a pay-for-delete agreement, and as such, it should no longer appear on my credit file. However, the account remains with multiple inaccuracies, including but not limited to : Incorrect high credit limit Inaccurate date of last activity and date of last payment Misleading payment history reporting Additionally, I never received a XXXX or any tax documentation related to the alleged debt settlement. This omission, combined with the ongoing reporting, reflects significant compliance failures under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), which requires furnishers to report only accurate and verifiable information. 

Despite these inconsistencies and violations, I am not seeking monetary relief or arbitration at this time. I am simply requesting that JPMCB honor the original pay-for-delete agreement and remove this account from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
My account with EQUIFAX EXPERIAN 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. 


EQUIFAX EXPERIAN 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Complaint to CFPB Against XXXX for Failure to Comply with FCRA Section 605B** To Whom It May Concern, I am submitting this formal complaint against XXXX for XXXX to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ) **, which mandates the **blocking of information resulting from identity theft** within **four ( 4 ) business days** of receiving proper documentation. 

On XX/XX/year>, I submitted a **written dispute** to XXXX along with **all required documentation**, as outlined under FCRA Section 605B : - A **police report** documenting the identity theft - An **FTC Identity Theft Report** - A **copy of my government-issued ID** - A **copy of my Social Security card** - A **utility bill showing my current address** - A XXXX*copy of the FCRA 605B statute** - A detailed **letter identifying the accounts that were fraudulently placed on my credit report** Despite providing all required materials, XXXX has failed to block or remove the fraudulent accounts** from my consumer report as required by law. Under **FCRA 605B**, once a credit bureau receives proper identity theft documentation, they are obligated to block the fraudulent information from appearing in the consumers file **within four ( 4 ) business days**. This legal obligation has not been met. 

The continued reporting of these fraudulent accounts is causing **harm to my credit standing and personal well-being**. I have made every good-faith effort to work with XXXX, but they have not taken the appropriate action. 

I am requesting the CFPB to investigate this matter and ensure that XXXX immediately complies with federal law by blocking the disputed information under FCRA Section 605B. 

Please let me know if any additional documentation is needed to assist with this complaint.

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 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
After sending the letter certified I was still contacted by phone call multiple times and even after I told them I mailed a letter regarding this letter and provided the confirmation number I was still contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is for a capital one | XXXX credit card. Due to XXXX, XXXX, XXXX, and XXXX  days past due from me being XXXX due to a XXXX XXXX capital one restricted my card. My XXXX  sent payments in manually to the mailing address for capital one. I have never been late prior to my XXXX XXXX in XX/XX/XXXX. I have an exceptional payment history. I asked capital one as goodwill to reverse all XXXX and XXXX  day late payments and they refused even though I had exceptional payment history with them. This is no way to treat customers that were XXXX  but still managed to pay their bills on time. I will like someone to look into my account and attempt to reverse all late payments reporting from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX {$440.00}, XX/XX/XXXX {$830.00} XXXX XXXX. They dont know because debt. Was purchased from a third party now banned. XXXX XXXX XX/XX/XXXX {$1400.00}. This debt from a closed and paid off title loan from XXXX. XXXX  XXXX XX/XX/XXXX {$300.00} is an open account. In good standing.

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 2025-04-14 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would e for all listed accounts to be blocked and deleted company information Transunion and all other beaurs Please delete the following accounts. Immediate Deletion Demanded Reinserted Inaccurate Account by 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 

To Whom It May Concern : I have verified that TransUnion and Experian are both currently reporting this reinserted account and inaccurate accounts which is not only inaccurate but was also re-added without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, my personal information was exposed in a known data breach, putting me at even greater risk for identity theft and fraudulent reporting. Reintroducing false credit data under these circumstances is not just negligent it is reckless. 

I am demanding the following actions be taken immediately : XXXX. Permanent deletion of the reinserted XXXX XXXX XXXX AND ALL ACCOUNTS from all credit bureaus.

2. A detailed explanation as to how and why this inaccurate account was reinserted without following proper legal procedures. 
XXXX. Confirmation that XXXX is in full compliance with data protection laws and FCRA guidelines. 

Failure to delete this account and provide a written resolution will leave me with no choice but to pursue legal action. This includes filing a formal complaint with the FTC, pursuing damages under the FCRA, and consulting legal counsel regarding the exposure of my personal data. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation