vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
To whom it may concern.

I live in Florida and I have US Bank as my mortgage provider. Late in 2024 ( XXXX ) we were hit directly by XXXX hurricanes, my place of employment got destroyed and I was out of work for over XXXX months. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX I heard US Bank was offering financial help with those directly impacted. I called them and asked what were my options. Now this is before any payments were late or deferred, no payments were ever late. So a gentleman said I qualified for said program. It was explained that I dont have to make any payments for XXXX months WITHOUT any consequences, no fees, no late payments and absolutely nothing was said about reporting those payments late. So I took that offer, especially at that time, as I was unsure of how long I would be out of work. I was told to relax and call back at the beginning of XXXX. I called back at the time I was told too. My next conversation with someone from US Bank was to go over my options at that point. They gave me XXXX options, pay those months back in full at that time or put those months at the end of my loan, if I qualified. A second mortgage is what I understood and they said I did qualify for Well I took that second option especially considering how little I worked in those XXXX months. They even said they would even put that fourth month ( XXXX ) in there as well. Now once again I wasnt told this would have a negative consequence, ie reporting me XXXX months late on my credit report. At this point it sounded amazing and like US Bank was actually helping me. Wasnt until a couple weeks go by and all of a sudden US bank has reported me 4 months late. For one thing, why would they wait 4 months to report I was late. I monitor my credit all the time. I would have immediately stepped in and stopped whatever they tricked me into. I was actually never late. This isnt fair. I was not told once by any of these employees of US Bank that this is a negative thing I was doing. I simply thought it was helping me. I would have NEVER done what they suggested, if I was told this would happen. Ive had that much money in my savings account if one person would have told me that I would have been marked late. My credit score was above XXXX before this its currently below XXXX points. No way my credit should fall off like this because of this situation. I was literally tricked into their program. Not sure how its actually legal. Im working on that part if I can actually take this to a court. Could we please move these late payments from my credit report and adjust my score, if possible. I appreciate your time. Have an amazing day. 
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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: GA

Complaint narrative:
In XX/XX/year>, a severe breach of my personal information compromised the security of my account, leaving it unprotected and vulnerable. As a result, both the integrity and accuracy of the account XXXX have been jeopardized. This account has been open since the XXXX, and despite following all instructions and advisements regarding loan resolution and forgiveness, my efforts have been ignored. 

Under the previous administration, certain repayment or forgiveness options were available, but they are no longer accessible. Repayment remains an unsuitable option, as the debt has significantly escalated over time to an unmanageable and unhealthy level. Originally an {$8000.00} loan, it has now ballooned to over {$40000.00} due to excessive interest rates. Given these circumstances, I am requesting full loan forgiveness and the complete removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
I am formally disputing inaccuracies appearing on my credit report concerning multiple student loan accounts reported by XXXX. According to Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g, 1681i ) and Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my legal right to demand verificationThese accounts, reported as " Needs Attention '' as of XX/XX/year>, appear to contain incorrect balances, duplicated reporting, and inaccurate statuses. As mandated by law, specifically under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must investigate this dispute within 30 days and provide the results promptly.

Please provide validation of these debts by submitting : - Original signed loan agreements or promissory notes ( required by FDCPA, 15 U.S.C. 1692g ) - Comprehensive payment histories detailing all transactions - Itemized statements clearly listing interest charges, fees, and penalties - Evidence proving your legal right and authority to collect these debts Failure to provide adequate validation or verification within 30 days legally obligates the immediate removal of these items from my credit report, per FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) ). Additionally, continued reporting without proper validation constitutes a violation of the FDCPA and FCRA, potentially subjecting your organization to legal penalties and consumer damages pursuant to Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n, 1681o ). 
Your prompt and thorough attention to this request is anticipated. Please comply within the legally

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 2025-03-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am filing a dispute regarding inaccurate information that has been reported on my credit report by Equifax CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information pertaining to Charge-off that appears on my credit report, according to the information provided, this Charge offs does not belong to me, and I believe have been mistakenly reported, The specific details of this charge-off I disputed are. 
1.Date of last reported 2.Date Open 3.inaccurate information 4.Date of last activity 5.Payment history 6, High credit 7.Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information pertaining to Charge-off that appears on my credit report, according to the information provided, this Charge offs does not belong to me, and I believe have been mistakenly reported, The specific details of this charge-off I disputed are. 
1.Date of last reported 2.Date Open 3.inaccurate information 4.Date of last activity 5.Payment history 6, High credit 7.Comments

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 2025-03-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my XXXX, XXXX, and equifax credit report.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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LEXISNEXIS
State: AL

Complaint narrative:
As of XX/XX/25, Lexis Nexis still has not deleted ALL of the fraudulent names, addresses and phone numbers associated with my credit profile. They have deleted SOME of the disputed personal information, but not ALL. The ONLY correct name listed on my Lexis Nexis consumer report should be : XXXX XXXX XXXX. 
The ONLY reported address should be : XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX. 
NO phone number should be listed. Remove ALL fraudulent phone numbers you have listed. 
ALL other names, variations of names, addresses and variations of address should be DELETED IMMEDIATELY. NOT SOME OF THEM. ALL OF THEM, EXCEPT FOR WHAT IS LISTED IN THIS COMPLAINT AS CORRECT. Lexis Nexis is required to only report accurate, complete and verifiable information. These fraudulent names and addresses are unverifiable. They must be deleted. My next step is legal action because this has gone on long enough. 
On XX/XX/25 Lexis Nexis mailed me a letter stating they have removed SOME of the addresses disputed, but the credit report mailed to me on XX/XX/25 by Lexis Nexis still has all of the addresses that they stated they removed on XX/XX/25. It is now XX/XX/25 and no progress has been made. I have included the aforementioned letters in this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I opened a title loan in XXXX of XXXX. I got behind on payments in XXXX. The last payment made was on XXXX. Which made the account 2 months behind when they repo the vehicle on XX/XX/XXXX. I owed a half a payment and a full months payment. I never Received a right to cure letter or a phone call saying the car was going to be repo. I called and ask why they didnt call or wasnt notified I was told they didnt have to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This company has illegally placed a record of collection with the credit bureaus. I have never received any notice or information from the company validating the debt or that the alleged debt is owed by me or whomever else prior to placing a derogatory mark on my credit report which has caused my credit to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX, XXXX XX/XX/year> ) ( Charged off )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to dispute an error on my credit report regarding an account with ( XXXX ). The account is listed as paid off, but it continues to show late payments on my credit report. This is incorrect and needs to be corrected. 

I fully paid off this account there should be no late payment entries recorded after that. I have included documentation supporting that the account was paid in full,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several things reappear when have been paid or wrong information attached to that like late days which and showing negative impact on my credit my credit score doesnt go up when things have been paid and affect my life as a whole year after to try yo dispute inquiries and the negative the same reappear

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 2025-03-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my XXXX, XXXX, and equifax credit report.XXXX  XXXX, Inquiry date XXXX, XXXX XXXX Inquiry date : XXXX, XXXX XXXX, Inquiry XXXX, XXXX XXXX, Inquiry XXXX XXXX, XXXX  XXXX, Inquiry date : XXXX, XXXX, Inquiry date : XXXX, XXXX, Inquiry XXXXXXXX XXXX XXXX, Inquiry XXXX, XXXX, Inquiry date : XXXX, XXXX, Inquiry date XXXX XXXX, XXXX  XXXX, Inquiry XXXXXXXX XXXX Inquiry XXXX, XXXX XXXX, Inquiry date : XXXX, XXXX XXXX, Inquiry date : XXXX, XXXX XXXX, Inquiry XXXX, XXXX XXXX, XXXX date : XXXX, XXXX XXXX, Inquiry XXXX, XXXX XXXX, Inquiry date : XXXX, XXXX  XXXX, Inquiry XXXX XXXX XXXX XXXX, Inquiry XXXX, XXXX XXXX, Inquiry XXXX, XXXX, Inquiry XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I was exposed to smoke while on vacation in California and was sick which required medical treatment when I returned home. My trauma was in XXXX and once I was feeling a little better I called PennyMac with my concern due to lack of income for that month and the inability to pay my mortgage. I called PennyMac on XX/XX/year> and explained the situation to the representative, she was very sincere and we both came up with a payment plan. The plan was to pay {$560.00} on that day which was XX/XX/year> and pay the balance as soon as possible. I agreed to pay the balance on XX/XX/year> with XXXX 's mortgage to be current and I did. I called the representative on XX/XX/year> to verify payments are current and was told I am current. The representative assured me it would not go on my credit report as late. A few weeks later I received an alert and my credit report shows XXXX days late. With that derogatory statement, my XXXX 'XXXX credit card was closed immediately by XXXX XXXX. I have been with PennyMac for XXXX years and my payments were NEVER XXXX  days late because I am aware of the seriousness of such lateness. If I didn't get sick from the smoke while on vacation in California I wouldn't have lost income and wouldn't have been in that situation. I am just asking for the XXXX days late to be removed. A partial payment was made on XX/XX/year> which is still a payment so I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My daughter ( XXXX  ) had a medical appointment at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX. XXXX accepts my daughters insurance which is XXXX  XXXX. She had a XXXX XXXX performed and sent to XXXX XXXX XXXX XXXX XXXX XXXX. The medical center never sent us a bill since they accept our insurance, however, XXXX XXXX XXXX sent us a bill for {$120.00} for the XXXX XXXX account number to be provided at request. After over XXXX or more attempts of calling XXXX XXXX with nobody answer the calls I stopped trying. After a few months Credit Collection Services sent us a collection notice for this amount. 
This is incorrect since XXXX accepts XXXXXXXX XXXX  clearly stated on their website ( I just checked this XXXX more time ). XXXX does not understand why XXXX XXXX is billing me, did they receive the insurance info or not? They are not sure and they refuse to cooperate after multiple attempts I tried. 
Right now, the problem since to be with XXXX not trying to bill insurance and verify insurance information and never answer calls. Collection agency refuses to contact lab to verify the above. There is nothing else I can do. Please help Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-16 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: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA INT account # XXXX, XXXX XXXX XXXX account # XXXX These companies are reporting fraudulent Inaccurate information on my credit report I have requested that they provide me with a purchase agreement to show full ownership ship of such account and also other documents so I May review to see if this is an account that actually belongs to me

Company response to consumer: Closed with explanation