vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing in response to your recent communication regarding my federal student loan account serviced by XXXX. I appreciate your attention to my concerns ; however, I must reiterate and clarify the issues affecting my credit report. 

Background : Graduation Date : XX/XX/XXXX Loan Status Post-Graduation : My loans have consistently been in deferment or forbearance since graduation, with no payments due. 
Credit Report Discrepancy : My credit report indicates that all loans were current through XX/XX/XXXX. However, it suddenly reflects a 90-day delinquency starting XX/XX/XXXX, without any prior 30 or 60-day delinquency notices.

Lack of Communication : I did not receive any billing statements, emails, or phone calls notifying me of a change in repayment status or impending delinquency.

Request : Given the abrupt and unexplained reporting of a 90-day delinquency, I respectfully request the following : 1. Investigation and Correction : A thorough review of my account to understand the cause of this discrepancy and correction of any inaccuracies.

2. Removal of Late Payments : Specifically, I request the removal of the reported late payments for XXXX, XXXX, and XX/XX/XXXX from my credit report. 
3. Goodwill Adjustment : Considering my consistent efforts to maintain my account in good standing and the lack of prior communication regarding repayment, I request a goodwill adjustment to rectify the negative impact on my credit. 

Justification : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are obligated to ensure the accuracy and completeness of the information they report to credit reporting agencies. If new information renders previously reported data inaccurate, they must update it accordingly. The sudden reporting of a 90-day delinquency without prior notices raises concerns about the accuracy and completeness of the information furnished.

Conclusion : I am committed to resolving this matter amicably and ensuring the accuracy of my credit report. I appreciate your prompt attention to this issue and look forward to a favorable resolution.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing in response to your recent communication regarding my federal student loan account serviced by XXXX. I appreciate your attention to my concerns ; however, I must reiterate and clarify the issues affecting my credit report. 

Background : Graduation Date : XX/XX/XXXX Loan Status Post-Graduation : My loans have consistently been in deferment or forbearance since graduation, with no payments due. 
Credit Report Discrepancy : My credit report indicates that all loans were current through XX/XX/XXXX. However, it suddenly reflects a 90-day delinquency starting XX/XX/XXXX, without any prior 30 or 60-day delinquency notices.

Lack of Communication : I did not receive any billing statements, emails, or phone calls notifying me of a change in repayment status or impending delinquency. 

Request : Given the abrupt and unexplained reporting of a 90-day delinquency, I respectfully request the following : 1. Investigation and Correction : A thorough review of my account to understand the cause of this discrepancy and correction of any inaccuracies.

2. Removal of Late Payments : Specifically, I request the removal of the reported late payments for XXXX, XXXX, and XX/XX/XXXX from my credit report. 
3. Goodwill Adjustment : Considering my consistent efforts to maintain my account in good standing and the lack of prior communication regarding repayment, I request a goodwill adjustment to rectify the negative impact on my credit. 

Justification : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are obligated to ensure the accuracy and completeness of the information they report to credit reporting agencies. If new information renders previously reported data inaccurate, they must update it accordingly. The sudden reporting of a 90-day delinquency without prior notices raises concerns about the accuracy and completeness of the information furnished.

Conclusion : I am committed to resolving this matter amicably and ensuring the accuracy of my credit report. I appreciate your prompt attention to this issue and look forward to a favorable resolution.

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 2025-05-01 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: NY

Complaint narrative:
I am writing in response to your recent communication regarding my federal student loan account serviced by XXXX. I appreciate your attention to my concerns ; however, I must reiterate and clarify the issues affecting my credit report. 

Background : Graduation Date : XX/XX/XXXX Loan Status Post-Graduation : My loans have consistently been in deferment or forbearance since graduation, with no payments due. 
Credit Report Discrepancy : My credit report indicates that all loans were current through XX/XX/XXXX. However, it suddenly reflects a 90-day delinquency starting XX/XX/XXXX, without any prior 30 or 60-day delinquency notices. 
Lack of Communication : I did not receive any billing statements, emails, or phone calls notifying me of a change in repayment status or impending delinquency.

Request : Given the abrupt and unexplained reporting of a 90-day delinquency, I respectfully request the following : 1. Investigation and Correction : A thorough review of my account to understand the cause of this discrepancy and correction of any inaccuracies.

2. Removal of Late Payments : Specifically, I request the removal of the reported late payments for XXXX, XXXX, and XX/XX/XXXX from my credit report. 
3. Goodwill Adjustment : Considering my consistent efforts to maintain my account in good standing and the lack of prior communication regarding repayment, I request a goodwill adjustment to rectify the negative impact on my credit.

Justification : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are obligated to ensure the accuracy and completeness of the information they report to credit reporting agencies. If new information renders previously reported data inaccurate, they must update it accordingly. The sudden reporting of a 90-day delinquency without prior notices raises concerns about the accuracy and completeness of the information furnished.

Conclusion : I am committed to resolving this matter amicably and ensuring the accuracy of my credit report. I appreciate your prompt attention to this issue and look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, my reinstatement quote was {$19000.00}. By XX/XX/XXXX, it suddenly increased to over {$50000.00}. As of XX/XX/XXXX, I'm now told I'm XXXX payments behind more than 4 years which proves that no payments or the HUD partial claim approved through bankruptcy court were ever applied to my account. 

This is not the first time Ive had to fight these servicers in court. I was previously forced into bankruptcy in XXXX to stop a wrongful foreclosure. In that case, I prevailed in getting a HUD partial claim approved to bring the loan current. But instead of applying the funds, the servicers failed to act and are now retaliating. 

Theyve added {$10000.00} in attorney fees despite the clear language in our XX/XX/XXXX settlement agreement that said each party would pay their own and have inflated my arrears by more than {$30000.00} with no justification. 

The original servicer, XXXX, received insurance funds for roof repairs but never completed the work. This left the home damaged and uninsurable, resulting in expensive force-placed insurance that drove up my monthly payments to an unaffordable level. 

Ive made repeated requests for a modification and sent multiple demand letters to LoanCare and XXXX. Ive also contacted HUD and XXXX XXXX XXXX. I am pleading for answers and a resolution, but Ive been ignored. 

This is a pattern. These same parties previously dual-tracked me moving toward foreclosure while reviewing me for assistance which contributed to my financial harm and court action. They are now continuing that same behavior. 

I am asking the CFPB to investigate this matter and require these companies to : - Apply the HUD partial claim as ordered - Remove the {$10000.00} in added legal fees - Correct my loan balance - Offer a fair and affordable modification - Stop any further foreclosure actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am submitting this complaint and formal dispute concerning the reporting of negative information related to a closed Comenity Bank/Victorias Secret account ( Account # XXXX ), which was opened on * * XX/XX/XXXX * *, and closed on * * XX/XX/XXXX * *. 

This account is being reported as a * * Paid, was a charge-off * * with a * * worst rating of Collection Charge-off, * * yet the balance is {$0.00}, the credit limit was only {$250.00}, and there are * * no 30, 60, or 90-day late payments * * indicated in the payment history. 

This reporting is inconsistent and misleading. 

Under the * * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 * *, furnishers of information and credit reporting agencies are required to ensure all data reported is : - * * Accurate * *, - * * Complete * *, and - * * Verifiable. * * I submitted a formal dispute on * * XX/XX/XXXX * *, requesting that Comenity Bank and/or the credit reporting bureaus provide documentation verifying any delinquency or default activity that would justify a charge-off. As of today, I have * * not received proof * * of any missed or late payments, nor have I been provided statements or evidence supporting the charge-off classification. 

I am now escalating this matter to the * * Consumer Financial Protection Bureau * * and requesting that : - The Charge-off status be * * immediately removed * * from this account unless Comenity Bank can produce verifiable proof of default, - The account be reported accurately, reflecting either * * on-time closure * * or * * paid in full * * status, - A full written response be provided detailing the results of any reinvestigation conducted by the credit reporting agencies. 

I also consent to this complaint being published on * * consumerfinance.gov * *, understanding my personal details will be redacted. 

This matter directly impacts the accuracy of my consumer credit profile and may influence my ability to obtain credit. I am requesting resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Equifax is also reporting the XXXX XXXX collection account ( account number XXXX ) for {$1400.00}. The continued reporting of this account demonstrates non-compliance with 15 USC 1681i ( a ) and 1681e ( b ), as the account was never fully validated. This information is severely affecting my ability to obtain fair credit terms and is being reported without full transparency or legal substantiation. I have no recollection of any outstanding balance with XXXX XXXX in this amount, nor have I been shown any signed contract, service records, or statements to legitimize it. This raises strong suspicion that my credit file has been contaminated by incorrect or breached data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account for what is purported to be a Medical/Health Care debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing to formally dispute, my federal student loans and request a full discharge due to a series of breach of my personal and financial information. My information was compromise without my authorization which violates multiple federal laws designed to protect student record and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full as my rights have been severely violated. Below are the key reasons for my request violation of Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without consent, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974 ; my personal and financial information was improperly access and shared without my authorization. Violation of the higher education act, as a student loan borrow, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at risk and authorize disclosed to third parties.

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 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX 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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This charge does not belong to me, and I believe it is the result of a billing error or mistaken identity. As such, I am formally requesting the immediate investigation and removal of this erroneous entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Specifically, under FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. Upon receiving this dispute, the credit bureau is required by law to : Conduct a reasonable investigation within 30 days of receiving my dispute ; Forward all relevant information I provide to the furnisher of the information ( the ambulance provider ) ; Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable ; Notify me of the results of the investigation in writing.

Additionally, if the account can not be verified, FCRA Section 611 ( a ) ( 5 ) requires the credit bureau to promptly delete it from my report.

I have enclosed supporting documentation including [ List documents e.g., a copy of my ID, proof of residence, and a recent credit report ] to assist in your investigation.

Please conduct a full investigation into this matter, and if this debt can not be fully verified as accurate and belonging to me, I respectfully request that it be permanently deleted from my credit file.

Company response to consumer: Closed with explanation