vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: OH

Complaint narrative:
This debt is for XXXX XXXX XXXX, which was sued by the Consumer Financial Protection Bureau, File No. XXXX. They were ordered to return the money to the people that they had scammed. I received a Check From such litigation. However, a company, XXXX and XXXX, took over the debt and reported it to the credit bureau as a collection account. Even though XXXX was ordered to return our money and let us keep the products. I don't understand how this debt is on my major credit bureau. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This is the second company trying to falsely collect a debt stating I owe, two different amounts. I asked for a validation of debt but never received anything. It's been passed 30 days and this company is still emailing me with no proper documentation I requested. No contracts with my signature on it. This is the second company with a different amount claiming I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and as a result, unauthorized accounts have been added to my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$54.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I am writing to inform you that I am a victim of a data breach and as a result, unauthorized accounts have been added to my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$54.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ ( XXXX ) XXXX ] [ Your Email XXXX ] [ XX/XX/year> ] [ PORTFOLIO RECOVERY A ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Debt Validation Request & Cease-and-Desist Notice Dear [ PORTFOLIO RECOVERY A ] I am writing to formally request validation of the alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any action, I require the following : Verification of the Debt : The original creditors name and address. 
The amount of the alleged debt, including a breakdown of any interest, fees, or charges. 
Proof that you have the legal authority to collect this debt. 

Proof of My Obligation : A signed agreement or contract between me and the original creditor. 
Documentation showing this debt is not past the statute of limitations in my state. 
Until you provide the requested validation, you must immediately cease all collection activities, including phone calls, letters, and any credit reporting. 

Cease-and-Desist Demand Additionally, under 15 U.S.C. 1692c ( c ) of the FDCPA, I am requesting that you cease all communication with me regarding this matter. Any further contact, except to provide the requested validation or to inform me of legal action, will be considered a violation of federal law. 

Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal action for any FDCPA violations. 

Please send all future correspondence in writing to my address listed above. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ) Block and Remove. Failure to validate said debt via 15 USC 1692G, failure to have permissible purpose via 15 USC 1681B. Violating and GROSS Abuse of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper systematically delays the assumption process to recoup fees lost by processing a XXXX XXXXXXXX. Mr. Cooper accomplishes this by setting its own guidelines for XXXX XXXXXXXX that are not in accordance with ANY XXXX XXXXXXXX regarding XXXX XXXXXXXX, failing to respond to any request for reasonable information in a timely manner, and governing control over the truthful dissemination of any information. 


On XX/XX/2025, I officially requested to perform a XXXX  XXXX XXXX for my primary residence. On XX/XX/2025, I submitted the Seller 's Questionnaire directly to XXXX XXXX ( Mr. Cooper Escalation Manager ) due to the extreme difficulties with the last assumption that I attempted with Mr. Cooper. In addition, I have sent multiple emails to XXXX XXXX ( Mr. Cooper Assumptions Loan XXXX XXXX ) and XXXX XXXX ( Mr. Cooper Senior Loan Processor ) none of whom have directly answered questions. Moreover, I have made multiple calls to Mr. Cooper 's Escalation Department, who confirmed that the loan assumption tracker displays that the file is in the financial qualification stage. However, the buyers have not received any communication from Mr. Cooper to start the loan assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
So Ive been battling health issues on and off over a year but since XXXX things have gotten really bad for me with being in and out of the hospital surgeries and rehab. The most recent even I almost died I was in the hospital from the XXXX of XXXX until this past Tuesday XX/XX/XXXX very sick in a coma abs almost died. I called credit acceptance because they had been trying to reach me while I was there I explained that my case worker with XXXX dropped me from {$1400.00} to {$700.00} because she was unable to reach me and I was going to be calling her weds to see what was going on and call credit acceptance back Wednesday. Unfortunately Wednesday morning I was re admitted to hospital until this morning Friday the XXXX and called credit acceptance and they are telling me my car is out for repossession and they need one months payment. Its physically impossible for me to do that because Im only getting {$700.00} for XXXX and XXXX and dont get my {$1400.00} until XXXX. Im still in pain still sick upset and under stress and just would like to have a chance to get myself caught up. I need my car for my many doctors appointments Im needing to attend. Im hoping to get this resolved and get back on track but I cant do one month standard payment. Im struggling and some of my meds my insurance arent covering and I have to pay out of pocket and file a claim to get reimbursed. I have alot of stress going on finically and health wise and this is adding to it and they are the only company that refuse to work with me. I am asking for a payment arrangement because now they have my car out for repossession and I have way to many doctors and other appointments going on.

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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Subject : Complaint Against Mohela & FSA Incorrect XXXX XXXX Processing Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Mohela and the Federal Student Aid ( FSA ) office regarding the misapplication of my XXXX XXXX XXXX XXXX ( XXXX  ) and the mishandling of my loan consolidation, which has resulted in unnecessary delays and financial hardship. 

Issue Summary : I previously applied for a loan consolidation of XXXX loans, which was submitted prior to the final approval of my XXXX XXXX XXXX XXXX. I received confirmation that the XXXX loans were successfully consolidated before the final XXXXXXXX XXXX approval. However, when my loan forgiveness was processed, the system held my new consolidation in a pending status, despite it being completed before the XXXX XXXX was finalized. Instead of applying XXXX to the newly consolidated loan as confirmed by XXXX, the system only applied XXXX to the earlier consolidation loan, leaving XXXX of my XXXX consolidated loans ineligible for XXXX 

Additionally, Mohela automatically placed my loan into forbearance under the XXXX XXXX, starting in XX/XX/year>, despite my active loan being in a standard repayment plan. This was done without my consent and has prevented my loan from accruing the necessary final qualifying payments toward XXXX XXXX. 

Key Issues : 1. Incorrect XXXX Application : My loan forgiveness was applied to a loan that was still in the process of consolidation, preventing my active loan from receiving forgiveness. 
XXXX XXXXlure to Recognize Consolidation Completion : XXXX confirmed my new consolidation was completed before the XXXXXXXX XXXX was processed, yet the system ignored this and incorrectly left XXXX loans out of the XXXXs process. 
3. Unilateral Loan Forbearance Placement : Mohela placed my loan into forbearance under the XXXX program without my enrollment or consent, preventing my payments from counting toward XXXX. 
4. Failure to Recognize Eligible XXXX Payments : My active loan is currently stuck at XXXX of XXXX qualifying payments due to the improper loan XXXX application, even though I have submitted all XXXX XXXX to confirm my eligibility. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX | XXXX | XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Self Financial Inc.
State: IL

Complaint narrative:
This company states that I still owes a balance but as clear as day they stated that its a charge off with profit loss and they wrote it off on there taxes I want all three accounts to be DELETE OFF MY CREDIT REPORT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Called on XX/XX/year>. 
Unable to submit a dispute online related to identity theft and XXXX. 
I have had no business with XXXX XXXX for XXXX XXXX Several years ago identity theft was first notice and immediately remove a false collection by XXXX. An XXXX XXXX individual has been continuing to commit identity theft towards me and Experian wont allow me to submit a dispute online. When I attempt to resolve on phone I am repeatedly transfered. Experian has been allowing soft queries without my permission to an individual attempting to XXXX. Experian agent excused this and claimed the weird soft queries is the fraud department. 

Increased XXXX XXXX  occured when this collection started. The company keeps changing their name to commit identity theft towards me. The point that this company keeps changing their name should be a red flag for Experian. This company also sent me XXXX XXXX in the mail. My phone and computer were also hacked when identity theft occured. 
Please have Experian properly investigate remove this item and protect my privacy from XXXX. 
They also need to hire better staff the last person I spoke to called me " XXXX XXXX when I am a 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