vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC XXXXb, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. Code XXXXXXXX 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. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-03-03 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: LA

Complaint narrative:
Violation of Rights Under the Fair Credit Reporting Act ( FCRA ) The continued reporting of the XXXX XXXX Bank account ( XXXX ) on my credit report violates my rights under the FCRA. Under 15 U.S. CXXXXe XXXX, consumer reporting agencies ( CRAs ) must ensure the **accuracy, fairness, and privacy** of credit information. I previously disputed this account and requested validation of the debt, including proof of its legitimacy and compliance with permissible purpose requirements under XXXX. Despite this, the CRA and/or furnisher failed to conduct a reasonable investigation or provide legally required verification, breaching their obligation under XXXX to correct inaccuracies. 

Additionally, 15 U.S. Code XXXX mandates that CRAs block information identified as fraudulent within XXXX business days if accompanied by an identity theft report and proof. While I have asserted this accounts illegitimacy, the failure to resolve the dispute suggests either negligence in investigating or an unlawful refusal to act, violating my right to privacy and accuracy. 

By persisting in reporting unverified and potentially outdated or fraudulent information, the CRA and furnisher have disregarded their statutory duties under the FCRA. I demand immediate removal of this account to rectify these violations and uphold my rights to a fair and accurate credit report. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  Block Request Per FCRA XXXX XXXX XXXX XXXX XXXX Driver License # J XXXX XXXX XXXX XXXX SOCIAL SECURITY # XXXX BIRTH DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XX/XX/XXXX TXXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX  Block Request Per FCRA XXXX XXXXC Timeframes for Consumer Reporting Agencies to Comply Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. XXXX ( XXXX ) ( XXXX XXXX Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to contact the Survivor or their Advocate about any missing information regarding their Submission, if needed. XXXX ( XXXX ) ( XXXX ) ( i ) Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to make a final determination about whether the block will remain permanent, or the block will be rescinded. XXXX ( b ) ( XXXX ) ( XXXX ) ( B ) Consumer Reporting Agencies have up to XXXX business days after a final determination is made to notify the Survivor of the outcome of the determination and provide the Survivor or their Advocate with a copy of their revised Consumer Report ( at no cost ), through the Survivors preferred communication method. XXXX ( b ) ( XXXX ) ( XXXX ) ( B ) Final Determination Consumer Reporting Agencies can deny or rescind a block in limited circumstances : The identity of the Survivor can not be reasonably confirmed ; The Survivor did not provide documentation determining Survivor status from an accepted source; and/or The Consumer Reporting Agency can not identify the adverse credit information to be blocked.

Survivors have the right to appeal a Consumer Reporting Agency 's decision. The Agency must provide information about the appeal process along with its final determination. 


If you have not processed a trafficking block before, it is highly recommended that you contact legal counsel prior to closing this block. 




FCRA XXXX XXXX Consumer Submission XXXX XXXX Request to Block Adverse Information or accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a Bank of America customer, and my checking account was frozen without warning on XX/XX/year>. Since then, I have been unable to access my funds, make payments, or transfer money via XXXX. 

I first discovered the issue when my payments started failing, including my rent ( which has a 10 % late fee ), Car insurance ( XXXX might be cancelled any day now ), Groceries, Gas. I immediately contacted Bank of Americas XXXX XXXX  and XXXX department, who told me my account was under review but provided no clear reason or timeline for resolution. 

On XXXX, a Bank of America representative XXXX Which I was on hold for over XXXX XXXX  ) assured me that my account would be unfrozen within XXXX business XXXX. However, as of today, my account is still frozen, and I have received no further updates. 

This has caused me severe financial hardship, as I am unable to pay my essential bills, access my funds, or conduct necessary financial transactions. Despite multiple calls, branch visits, and emails to Bank of Americas XXXX team, I am still being denied access to my own money. 

Bank of Americas lack of transparency and failure to honor its own promised resolution timeframe has left me in a dire situation. I am requesting immediate intervention to restore access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
My XXXX XXXX  student loans are currently on the XXXX plan, which has been suspended as of XX/XX/year>. From XXXX XXXX XXXX  I was on administrative forbearance with no accruing interest ( 0 % ). On XX/XX/year>, I received a letter in their electronic system that I would be placed a different type of administrative forbearance for no more than XXXX  days, this time with accruing interest. My loans still said interest was at 0 %. However, the amount of my loans kept increasing. I was confused by this I called MOHELA for guidance. I called several times over the next month, sometimes waiting on hold for XXXXXXXX XXXX and sometimes requesting a callback, but had no success reaching a representative. Finally in early XXXX, I waited on hold for XXXX XXXX  and reached a customer service representative who told me that this is a common error with the XXXX plan since the court ordered suspension in XX/XX/year>. He assured me that the interest rate was still at 0 % and that I received the letter by mistake. He said that the accruing interest would disappear from the system eventually. I asked him for a detailed ledger of my loan history, including any interest accrual, and he assured me that he would request this ( est. time XXXX days ) and get it sent out ASAP. I never received this information. Today in the MOHELA portal, my loans now show a interest rate of 6.6 % and have continued to accrue interest, well beyond the XXXX day accrual period originally provided in the letter which I was assured was a glitch/mistake. I have not received any additional letters or guidance from MOHELA and have not been able to reach a MOHELA representative again. The horrible customer service, lack of consistent and reliable information, and undocumented accrual of interest is a huge stress. I followed the XXXX customer representative 's advice and trusted his word, and now I feel like I'm being seriously screwed over. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage is attempting to collect a mortgage debt that was reported as paid in full by Ocwen Financial Corporation in 2018. My credit reports with XXXX and XXXX reflect a {$0.00} balance on this loan, yet PHH is claiming an outstanding balance of {>= $1,000,000}, which includes an unexplained deferred balance of {$460000.00}. 

I requested a complete loan history, including a final payoff statement from Ocwen, documentation of any approved balance transfers, and proof that PHH has the legal right to collect this debt. Despite my requests, PHH has failed to provide adequate proof of their claim. 

Additionally, PHH continues to report a past due balance and has included a bankruptcy message in their statements. If my liability has been discharged or settled, PHH should not be attempting to collect or foreclose on the loan.

I am disputing this balance and requesting that PHH : 1. Provide a full loan payment history from origination to the present.

2. Provide documentation proving the legitimacy of the deferred balance.

3. Explain why Ocwen reported the loan as paid in full, yet PHH claims an outstanding balance.

4. Cease any collection or foreclosure activity until this dispute is resolved. 

If PHH can not validate the debt, they must correct their records and remove the balance from their system. I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my states mortgage regulator, and legal counsel if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I had my student loans fully paid off in XX/XX/XXXX. The company sent me a letter stating as much. In XX/XX/XXXX, I got an email stating that a payment was due in XX/XX/XXXX. I then logged into my account and saw that the company was saying I still owed on my student loans. After a few days of not being able to get a hold of anyone on their customer service line I was able to speak to human. Who said that they could not help me, and I was transferred to another phone queue that had a more than XXXX time. 

I tried again the next. This time I was transferred to a human and the hold line. Was told that this was an error on the part of the company, and it would be fixed with the next XXXX to XXXX days. This was on XX/XX/XXXX. It is now XX/XX/XXXX and the issue has not been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
When I originally signed up for XXXX, I intended to use it to get credit card rewards on my Bank XXXX XXXX card account, since thats the point of XXXX. When I tried to use the XXXX provided bank account to avoid the credit card fee, I was still charged on the rent portal. Instead, I decided to try using the XXXX Wells Fargo card in XXXX specifically because they claim to make payments without credit card transaction fees for rent while using funds from a bank account. XXXX times now this failed to happen, leaving me with over a hundred dollars of late rent fees. Attempts to contact XXXX and Wells Fargo had been pointless as I was only been met with automated systems and XXXX minute hold times that led to unresolved issues. XXXX of the times, I was told their online portal was down so nothing could be done. I was only able to close the account on the XXXX phone call, and it was still registered to my rent portal despite being closed. I had to manually disconnect all of my accounts from the rent portal, and now go through the hassle of bringing my rent check in person, even though XXXX was specifically designed to avoid this. I highly recommend avoiding XXXX at all costs, and deleting any open accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CO

Complaint narrative:
They were paid in full. The XXXX XXXX XXXX lawyer. Knows I am not behind XXXX XXXX was paid. XXXX was paid in full. XXXX XXXX XXXX XXXX XXXXs over 7 years old XXXX XXXX XXXX is over XXXX XXXX XXXX. XXXX XXXX was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TraXXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-03-03 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation