vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EdFinancial Services
State: CA

Complaint narrative:
My name is XXXX XXXX, and XXXX writing this because I need someone to understand how badly my student loan servicers failure has hurt my life. 
I applied for a hardship discharge because I was struggling XXXX a working father raising my son, and Ive been doing everything I can to build a better life for us. I qualified for help under their program. I filled out the forms, followed the process, and turned everything in just like they told me. 

But instead of fixing it, they gave me a number to call that led to an automated line like a XXXX XXXX commercial. I was told the information had been sent, only to be told later that it hadnt. They passed me around, gave me vague answers, and let my loan sit for months with XXXX XXXX missed payments on my credit report, damaging my score badly. 

Because of their failure to process the hardship correctly and on time, I was denied for a car loan I desperately needed. Ive been walking to work and everywhere else for over XXXX months even though I did everything right. 

Im trying to buy a used truck that would help me start my landscaping business and support my son. Now that truck may be sold before my credit updates. And still, Im told to just wait.

Im not just waiting on a credit score. Im waiting to live the life Ive worked for. The life Ive earned. And right now, no one is taking responsibility for the harm they caused.

Ive had to carry all of this on my own. Im exhausted. Ive cried. Ive been humiliated. I feel unheard by my loan servicer, by customer service, even by people close to me. I did everything right and I still got left behind.

Im asking for my credit to be corrected immediately, and for accountability from the people who caused this damage. Ive suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for fraudulent activity related to a contract for solar energy services. Specifically, XXXX XXXX XXXX wrongfully signed my name on a contract that I did not agree to or sign. I am the victim of what appears to be fraudulent behavior, as I never authorized this agreement. I was approached by the XXXX XXXX XXXX for XXXX XXXX XXXX about installing solar panels in XXXX of XXXX. I was given completely false deceptive information. 

Upon closer inspection, it was clear that the XXXX XXXX XXXX had forged my signature and submitted my ssn without my knowledge. He said he just needed to get my SSN and ID to see if I would qualify, but he actually used this information to falsify the contract. I contacted XXXX XXXX XXXX to report the fraudulent signature, but they have failed to resolve the issue and have continued to act as if the contract was valid, despite the fact that I never agreed to it. 

The fraudulent signing of this contract has caused me significant distress, and I am concerned about the financial obligations that are being wrongfully attributed to me. I have attempted to resolve this issue directly with XXXX XXXX XXXX, and the original XXXX from XXXX XXXX XXXX XXXX  installation but my requests for clarification and cancellation of the contract have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XX/XX/XXXX call to pay debt and was told it was paid off then saw it again on my credit karma to find out what happened it stated in XX/XX/XXXX it was still in collections. I tried to settle debt in XXXX was told it was paid off then in XXXX they say I still owe i still I try to settle they were getting upset because I was saying they have the wrong amount. Supervisor wasn't hearing my story just tryna get most of the money they can and I told them I had a police report on the maintenence guy so I was throwing out my trash why did they add so many fees I didnt even use because of what happened. I dont understand why I wasn't being told the correct information to pay off my debt and no letter was sent to help me dispute the amount owed. I was also approved for covid 19 hardship program to recover my debt I owe for this debt and they didnt want to approve my lease renewal and open an account so I can submit the payment owed. Landlord dismissed my renewal for lease to not submit the right documents on time to collect payment from the city they had already been approved to pay the debt owe 5 months prior to this being in collection. Now with children im forced to pay a debt that was the negligence of the landlord responsibility to submit the paperwork in time to collect the debt owed that is keeping me from getting a apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: SC

Complaint narrative:
This is an add on to complaint number XXXX. I wanted to include Transunion and 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 2025-08-02 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: SC

Complaint narrative:
This is an add on to complaint number XXXX. I wanted to include XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report. 
OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Since approximately XX/XX/year>, I have been unable to send a {$3000.00} XXXX payment to my landlord, XXXX XXXX XXXX, through my Wells Fargo account. This amount is well below my daily XXXX limit of {$3500.00}. Each attempt results in an error stating the payment was blocked for my protection. 

I have contacted Wells Fargo three times regarding this issue, and each time I have received vague, conflicting explanations : On Monday, XX/XX/XXXX, I was told the problem was due to backend account updates and was advised to try again later. I was given no case number, no timeline, no guarantee of resolution. 

On Wednesday, XX/XX/XXXX, a different representative told me the issue was on XXXX end, not Wells Fargos, and that I would need to wait indefinitely for it to be resolved. 

I subsequently contacted XXXX, who confirmed that Wells Fargo is responsible for fraud rules and payment blocks when using XXXX through their platform, and that only Wells Fargo can resolve this. 

On Friday, XX/XX/XXXX, I called Wells Fargo again and was once more told that my account was still being updated and that the issue had been ongoing for over a week with no available timeframe. 

I have received no specific explanation, no case number, and no escalation path despite this affecting a legitimate, recurring rent payment to a verified business recipient. Wells Fargo has denied me access to basic account functionality and failed to offer any meaningful support or timeline for 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 2025-08-02 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 am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Company keeps reporting different. Wrote off, charge off. I keep asking for 1099C. On my report says it written off. They keep changing reporting to profit loss, charge off written off. They wont validate. Im requesting the 1099c this is the 4th request. Im going to sue them for inaccuracy. Statuary damages. I will sue for fraud if its not removed and the same on all bureaus.

You said I owe a balance, yet you took a tax break. Remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Movement Mortgage LLC
State: NH

Complaint narrative:
In XXXX, my mother passed away. I began working with Movement Mortgage shortly after to assume the loan on the property and submitted all necessary hardship and estate documentation. 

In XX/XX/XXXX, Movement approved a payment plan. I made the first payment on XX/XX/XXXX. My father, who was also named on the account, passed away in XX/XX/XXXX. I attempted to make the XXXX payment on XX/XX/XXXX just XXXX day late but Movement refused to accept it and told me I would need to restart the process. 

Between XXXX and XXXX, I continued to cooperate and submit updated documents as requested. On XX/XX/XXXX, Movement suddenly refused to speak with me further unless I submitted a Successor in Interest ( SII ) form this was the first time the form had ever been mentioned. I called my attorney to try and help, finally I was sent the form and I submitted the form and was officially confirmed as the legal successor on XX/XX/XXXX. On that same day, I submitted a full and updated hardship and assumption package. 

Despite this, the foreclosure sale on the property is still scheduled for XX/XX/XXXX only 28 days later. Fannie Mae guidelines require a 37-day pause after receiving a complete application. Movement Mortgage failed to follow that rule.

Movement also never disclosed that Fannie Mae was the investor on the loan. I had to discover that independently. They transferred foreclosure proceedings to a third-party law firm, XXXX XXXX XXXX XXXX without telling me. 

Ive complied with every request made, submitted all documentation multiple times, and acted in good faith. Im now facing the loss of my family home due to a failure on the part of the servicer to follow proper procedures and give me a fair review. 

I am asking the CFPB to require Movement Mortgage to pause the foreclosure, follow Fannie Mae guidelines, and complete a proper review of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AZ

Complaint narrative:
I am writing to file a formal complaint against [ Experian, Equifax, TransUnion ] due to the reporting of inaccurate and unverified child support information on my credit report ( s ), which has caused adverse effects.

Background I am subject to a child support order. I have reason to believe that the amounts reported to credit agencies are inaccurate, and requested these agencies remove the inaccurate information, but they chose not to.

Specific Issues and Violations 1. Inaccurate Child Support Calculation and Reporting : o The reported child support arrears and ongoing obligations are based on incomplete and inaccurate financial data, as evidenced in the attached legal memorandum and email correspondence. C
alifornia Family Code 4058 and 4060 require child support orders to be based on verified financial disclosures. 
o The XXXX XXXX XXXX XXXX had failed at the time to provide a complete and accurate accounting of payments made and received, despite my repeated requests. This lack of transparency prevents me from verifying the accuracy of the reported amounts.

o The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, requires that credit reporting related to child support be accurate and verified. The adverse reporting based on inaccurate or unverified information violates this act. 
XXXX. Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA : o There are concerns that the XXXX XXXX XXXX XXXX is reporting negative information to credit bureaus without my consent, which may constitute identity theft and fraud under 15 U.S.C. 1681b. 
o It is unclear whether the XXXX XXXX XXXX XXXX is fully compliant with FDCPA and FCRA regulations regarding the reporting of child support obligations to credit agencies. 

Requested Actions I request that the CFPB investigate this matter thoroughly and take the following actions : XXXX. Require [ Experian, Equifax, TransUnion ] to remove the inaccurate child support information from my credit report ( s ) as soon as possible. 
XXXX. Ensure the XXXX XXXX XXXX XXXX provides a complete and accurate accounting of all child support payments and arrears. 
XXXX. Verify that the XXXX XXXX XXXX XXXX complies with all relevant federal and state laws, including the FCRA and FDCPA. 
XXXX. Seek restitution for any damages I have incurred as a result of the inaccurate credit reporting. 
I look forward to your prompt attention to this matter. Please contact me if you require any additional information. 
Sincerely /s/ 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 2025-08-02 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:
I am writing to file a formal complaint against [ Experian, Equifax, TransUnion ] due to the reporting of inaccurate and unverified child support information on my credit report ( s ), which has caused adverse effects.

Background I am subject to a child support order. I have reason to believe that the amounts reported to credit agencies are inaccurate, and requested these agencies remove the inaccurate information, but they chose not to.

Specific Issues and Violations 1. Inaccurate Child Support Calculation and Reporting : o The reported child support arrears and ongoing obligations are based on incomplete and inaccurate financial data, as evidenced in the attached legal memorandum and email correspondence. C
alifornia Family Code 4058 and 4060 require child support orders to be based on verified financial disclosures. 
o The XXXX XXXX XXXX XXXX had failed at the time to provide a complete and accurate accounting of payments made and received, despite my repeated requests. This lack of transparency prevents me from verifying the accuracy of the reported amounts.

o The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, requires that credit reporting related to child support be accurate and verified. The adverse reporting based on inaccurate or unverified information violates this act. 
XXXX. Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA : o There are concerns that the XXXX XXXX XXXX XXXX is reporting negative information to credit bureaus without my consent, which may constitute identity theft and fraud under 15 U.S.C. 1681b. 
o It is unclear whether the XXXX XXXX XXXX XXXX is fully compliant with FDCPA and FCRA regulations regarding the reporting of child support obligations to credit agencies. 

Requested Actions I request that the CFPB investigate this matter thoroughly and take the following actions : XXXX. Require [ Experian, Equifax, TransUnion ] to remove the inaccurate child support information from my credit report ( s ) as soon as possible. 
XXXX. Ensure the XXXX XXXX XXXX XXXX provides a complete and accurate accounting of all child support payments and arrears. 
XXXX. Verify that the XXXX XXXX XXXX XXXX complies with all relevant federal and state laws, including the FCRA and FDCPA. 
XXXX. Seek restitution for any damages I have incurred as a result of the inaccurate credit reporting. 
I look forward to your prompt attention to this matter. Please contact me if you require any additional information. 
Sincerely /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I sent a wire transfer of {$170000.00} to the Chase account ( XXXX ) of XXXX XXXX XXXX, payment coordinator at XXXX XXXX XXXX XXXX. The express purpose of the transfer was outstanding tax payments due from Estate of XXXX XXXX, The next step was for XXXX XXXX XXXX to forward this payment to XXXX XXXX, the law firm managing the XXXX and then confirm deposit to the French Government. XXXX recently informed me that the account was closed months ago at which time Chase confirmed that all of the funds the funds would be returned to me. I have not received any funds from Chase. 

This came to my attention when the law firm produced fraudulent documents of similar tax payments to confirm deposits with their firm and XXXX XXXX neither of which actually reached those accounts. These payment coordinators were merely transfer recipients, who would then close the account and transfer funds to a new account opened by the lead scammer ( below ). Hence, I have lost {$170000.00} to this wire fraud scam. 

These is another party behind all of this ( impersonating XXXX executives, XXXX XXXX lawyers and XXXX staff ) as well as utilizing fake websites and contact information. The only contact information I have for that person is : XXXX, XXXX or XXXX. 

XXXX XXXX, XXXX Payment Coordinator : XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Name : CHASE BANK Bank Address : XXXX XXXX XXXX, XXXX, LA XXXX Client Information : Client Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
b'I am writing in regard to an account or collection claim appearing under the name [Creditor/Agency Name] which has either reported derogatory information to one or more consumer reporting agencies or has otherwise attempted to collect an alleged debt.\nI hereby dispute the validity of this alleged debt and demand immediate verification of all claims, pursuant to:\n\nFair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\nFair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq.\nContract Law  Requirement of mutual agreement and signed obligation\n\nDebt Contract Request\t\nI have reached out 3 times for this creditor to provided me proof of contract.\nI never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect payment with my consent it or delete this account. \nLVNV FUNDINGXXXX XXXX

Company response to consumer: Closed with explanation