vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 HAVE BEEN AFFECTED OF XXXX  AND 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 AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i called creditor to settle debt i was told account was sold to 3rd party XXXX XXXX i called XXXX XXXX  and no account can be found for me i was told to call XXXX XXXX  once again to confirm. i again called XXXX XXXX and was assured the account was sold to XXXX XXXX. i again called XXXX XXXX and they have nothing. its been a back and for a long time now.

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 2025-05-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have never made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each oth them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " XXXX '' can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am writing to formally dispute several late payment entries recently reported to the credit bureaus in connection with my federal student loans, currently serviced by XXXX XXXX XXXX ( XXXX ) under the U.S. Department of Education. These entries are inaccurate and do not reflect my consistent effort to make on-time payments since repayment resumed in XX/XX/year>. 

Since XXXX, I have been making monthly XXXX payments of {$280.00} from my XXXX account to the Department of Education under the assumption that these payments were being applied to my own loans. My access had always been through auth.nelnet.studentaid.gov, where I previously managed all loans, both mine and my cosigners. 

What I did not realize and what was not clearly communicated during the loan servicer transition is that my loans from XXXX XXXXXXXX XXXX  were moved to XXXX, while the loans from XXXX XXXX XXXX ( which I co-signed for ) remained with XXXX. As a result, all of my ACH payments were applied to my cosigners account rather than mine, despite being made in good faith under the belief that I was servicing my own loans. 

Once I became aware of this issue after reviewing my credit report and discovering the negative entries, I immediately created a XXXX login, confirmed my loan details, and have already begun steps to bring my account current. 

This misreporting is the direct result of a breakdown in communication during the servicer transfer and a misallocation of funds due to identity overlap, not negligence or non-payment. I have included supporting documentation as follows : Bank statements showing XXXX payments I respectfully request that these late payments be investigated and removed from my credit file under the Fair Credit Reporting Act ( FCRA ), as they are inaccurate and misleading based on my payment history and intent. 

Thank you for your time and understanding. Please contact me if any further documentation or clarification is needed to resolve this matter promptly.

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 2025-05-14 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: TX

Complaint narrative:
I am writing to formally dispute several late payment entries recently reported to the credit bureaus in connection with my federal student loans, currently serviced by XXXX XXXX XXXX ( XXXX ) under the U.S. Department of Education. These entries are inaccurate and do not reflect my consistent effort to make on-time payments since repayment resumed in XX/XX/2024. 

Since XXXX, I have been making monthly ACH payments of {$280.00} from my XXXX account to the Department of Education under the assumption that these payments were being applied to my own loans. My access had always been through auth.nelnet.studentaid.gov, where I previously managed all loans, both mine and my cosigners. 

What I did not realize and what was not clearly communicated during the loan servicer transition is that my loans from XXXX XXXX University were moved to XXXX, while the loans from XXXX  XXXX University ( which I co-signed for ) remained with XXXX. As a result, all of my ACH payments were applied to my cosigners account rather than mine, despite being made in good faith under the belief that I was servicing my own loans. 

Once I became aware of this issue after reviewing my credit report and discovering the negative entries, I immediately created a XXXX login, confirmed my loan details, and have already begun steps to bring my account current. 

This misreporting is the direct result of a breakdown in communication during the servicer transfer and a misallocation of funds due to identity overlap, not negligence or non-payment. I have included supporting documentation as follows : Bank statements showing ACH payments I respectfully request that these late payments be investigated and removed from my credit file under the Fair Credit Reporting Act ( FCRA ), as they are inaccurate and misleading based on my payment history and intent. 

Thank you for your time and understanding. Please contact me if any further documentation or clarification is needed to resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am writing to formally dispute several late payment entries recently reported to the credit bureaus in connection with my federal student loans, currently serviced by XXXX XXXX XXXX ( XXXX ) under the U.S. Department of Education. These entries are inaccurate and do not reflect my consistent effort to make on-time payments since repayment resumed in XX/XX/year>. 

Since XXXX, I have been making monthly ACH payments of {$280.00} from my XXXX account to the Department of Education under the assumption that these payments were being applied to my own loans. My access had always been through XXXX where I previously managed all loans, both mine and my cosigners. 

What I did not realize and what was not clearly communicated during the loan servicer transition is that my loans from XXXX XXXX University were moved to XXXX, while the loans from XXXX  XXXX University ( which I co-signed for ) remained with XXXX. As a result, all of my ACH payments were applied to my cosigners account rather than mine, despite being made in good faith under the belief that I was servicing my own loans. 

Once I became aware of this issue after reviewing my credit report and discovering the negative entries, I immediately created a XXXX login, confirmed my loan details, and have already begun steps to bring my account current. 

This misreporting is the direct result of a breakdown in communication during the servicer transfer and a misallocation of funds due to identity overlap, not negligence or non-payment. I have included supporting documentation as follows : Bank statements showing ACH payments I respectfully request that these late payments be investigated and removed from my credit file under the Fair Credit Reporting Act ( FCRA ), as they are inaccurate and misleading based on my payment history and intent. 

Thank you for your time and understanding. Please contact me if any further documentation or clarification is needed to resolve this matter promptly.

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 2025-05-14 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the continued reporting of inaccurate and damaging information by XXXX XXXX XXXX across all three major credit bureaus. 

XXXX has falsely reported multiple XXXX late payments over consecutive months, which is not only factually incorrect but also not permitted under standard credit reporting guidelines. I have clear proof of payments made during these periods that directly contradict their reporting. I have disputed this information repeatedly with Experian, Equifax, and TransUnion over the past XXXX years, but each time it has come back verifieddespite my evidence showing otherwise. 

Furthermore, I filed for XXXX XXXX XXXX on XX/XX/year>, and XXXX was included in the filing. Despite this, they continue to report the account with negative payment history, which is inappropriate and further suppresses my credit score, hindering my ability to rebuild financially. 

I have attached a screenshot of the inaccurate payment history, and I can provide proof of payment and bankruptcy documentation upon request. 

Thank you for your attention and prompt resolution of this matter.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: MA

Complaint narrative:
I had a {$4000.00} line of credit with a XXXX XXXX XXXX XXXXXXXX XXXX, which I believe went bankrupt. 

I believe they sold my $ XXXX debt balance to some company called XXXX, which I had set up autopay for back in XXXXXXXX XXXX  ( I've actually had multiple instances of calling them to make sure it was set up properly ). 

I just found out ( this morning ) through a " past due reporting '' on my credit report that my debt had somehow been transferred to some company called BounceAI ( phone number : XXXX ; manager 's name is XXXX, wouldn't give me his last name ) saying that I owed over $ XXXX in debt to BounceAI. I called XXXX, who also told me there was nothing they could help me with, but please call the number ending XXXX to talk to BounceAI. 

But when I called BounceAI to ask about any details ( why they are holding any of my debt ; why the autopayments have not reduced the balance ; why the balance is 25 % + higher in less than 6 months ; why I have a " past due '' notice on my credit report ; why I have never heard of BounceAI in any context -- in general or in relation to my outstanding balance ), they told me that " we can't provide any information to you because technically we haven't " received your account. '' All of this seems/is incredibly suspicious, unethical, nontransparent, and possibly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: SD

Complaint narrative:
I would like CFPB to file investigate and prosecute the fraudulent practices of RMP, LLC violating FCRA, and fraud. On XX/XX/2025 I received a FRAUDULENT letter in the mail RMP, LLC has fraudulent letters and calls stating that I owe a medical debt that was paid. I do not owe anything and have proof from the company and documents that nothing is owed. 

I notified FTC, USPSIG, Attorney General of Ohio, Indiana, Florida, and South Dakota because the fraudulent notices have multiple different addresses with notices I received RMP, LLC with return addresses to the multiple states. They are : RMP, XXXX XXXX XXXX, XXXX, IN XXXX ; XXXX XXXX XXXX, XXXX, IN XXXX, ; XXXX XXXX XXXX, XXXX, IN XXXX ; XXXX, XXXX XXXX XXXX, XX/XX/XXXX , FL XXXX , RMP LLC XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant XXXX, and I urgently request that they be removed without delay.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I Am Filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, Which violates Consumer Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have called significant inconvenience and financial loss I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I applied for a disaster forebearance that ranged from XXXX through XXXX XXXX XXXX In late XXXX, I applied for a loan modification program, per the service representative 's suggestion. Multiple Freedom Mortgage representatives suggested I do not make a payment until the company assigned me a specific program. In XXXX, I was assigned a 3 month conditional repayment program that led to a back end loan for the amount due during the forebearance. Those payments were XXXX, XXXX and XXXX. I made all payments on time. Freedom still marked me as delinquent during those months. I protested and they refused to remove the deliquency marks. They gave me the option to submit credit report information and bank statements to prove I made payments. I submitted those documents and they still refuse to remove delinquent remarks.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ), credit reporting agencies are required to ensure maximum possible accuracy and to promptly investigate and correct any inaccuracies upon notification. 

Account XXXX XXXXXXXX They are reporting late payments Account Vance & Huffman LLC XXXX XXXX accordance with 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum accuracy, I request that you investigate these inaccuracies. Furthermore, under 15 USC 1681i ( a ), I request that you correct or delete the disputed information as required by law. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at XXXX or via email at [ XXXX ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ), credit reporting agencies are required to ensure maximum possible accuracy and to promptly investigate and correct any inaccuracies upon notification. 

Account XXXXXXXX  XXXX They are reporting late payments Account XXXX XXXX XXXX XXXX XXXX XXXX accordance with 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum accuracy, I request that you investigate these inaccuracies. Furthermore, under 15 USC 1681i ( a ), I request that you correct or delete the disputed information as required by law. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at XXXX or via email at [ XXXX ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation