vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX U.S. Department of Education Former Case not satisifed : Case No. XXXX | XXXX XXXX. XXXX/ XXXX| Account No. XXXX Dear XXXX XXXX XXXX, This letter serves as my second formal complaint regarding the alleged debt referenced above. I previously disputed this account, and your response dated XX/XX/XXXX, did not provide the documentation or resolution required by law.

Collections Stopped Before the CARES Act ( DISHONEST COMMUNICATION ) Your letter states that collections were suspended beginning XX/XX/XXXX, under the CARES Act. However, my collections were already stopped as of XX/XX/XXXX, when the Department of Education issued a Notice of Cancellation of Order for Withholding of Wages to my employer. This official action by your Department confirms that the prior collection was not substantiated.

No Proof of Notice or Contact The debtor has not provided any proof of letters stating they reached out to me prior to collections or offsets.

I demand copies of every letter you claim was sent to me, with the exact dates, times, and addresses each notice was mailed to. To date, no such documentation has been provided.

IRS Offset Without Due Process Refund all tax dollars unlawfully seized through administrative offset. 
Despite no substantiated debt and no notice, the IRS permitted offsets of my federal tax refunds. This was an unlawful taking of my money without due process.

COVID-19 Relief Misrepresentation I never requested nor authorized any deferment or relief under the CARES Act. My proof is the letter to stop the garnishment sent from the Department of Education to my employer to stop the garnishment as referenced above. In my possession!

Request for Action : Provide copies of all letters you claim were sent to me, showing the dates, times, and mailing addresses used.

Provide proof of notice to me prior to any garnishment or offset activity.

Provide documentation in writing that shows I requested or authorized any placement under the CARES Act relief provisions.

Refund all tax dollars unlawfully seized through administrative offset.

Cancel the alleged debt in full due to lack of substantiation, prior cancellation of collection, and failure to provide evidence.

Please consider this letter a continued dispute under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. I also request that all further communication be made in writing.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: KY

Complaint narrative:
I am formally disputing the inclusion of the below items on my credit report. I have no knowledge of this items, and I did not authorize, open, or benefit from any goods, services, or funds related to it. I believe this account is the result of fraudulent activity and/or identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. As this account is both inaccurate and unverifiable, it must be corrected or updated in accordance with federal law. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
They have been calling me 3 times a day, 7 days a week for at least a month. I've called and asked them to stop calling and told them it's illegal to call that much but they did not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I recently discovered that my XXXX XXXX XXXX account was reported as a charge-off for {$14.00} in XXXX I only became aware of this about two months ago, when I started receiving denials on new credit card applications and saw a serious delinquency appear on my credit report. 

I immediately filed a complaint with the CFPB and, after that, contacted XXXX XXXX XXXX directly. I explained that I never received any billing statements or late notices at my address, despite my information being correct. Because I never received notice, I was denied the opportunity to pay the small balance before it was reported as a charge-off. 

XXXX  representatives told me only that we mailed notices but refused to provide any proof of delivery. When I asked for escalation, they told me there was no further escalation available and that we can not reverse it. They were dismissive and did not provide a case number. As a courtesy, XXXX marked the account balance as paid and closed the account, even though I did not submit payment. While I appreciate that, the tradeline still shows a charge-off, which is unfair and disproportionate for such a small balance. 

This single charge-off is causing me denials of new credit applications and higher interest rates, despite the rest of my credit report being in good standing.

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 2025-08-27 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: CA

Complaint narrative:
I recently discovered that my XXXX XXXX XXXX account was reported as a charge-off for {$14.00} in XXXX  I only became aware of this about two months ago, when I started receiving denials on new credit card applications and saw a serious delinquency appear on my credit report. 

I immediately filed a complaint with the CFPB and, after that, contacted XXXX XXXX XXXX directly. I explained that I never received any billing statements or late notices at my address, despite my information being correct. Because I never received notice, I was denied the opportunity to pay the small balance before it was reported as a charge-off. 

XXXX  representatives told me only that we mailed notices but refused to provide any proof of delivery. When I asked for escalation, they told me there was no further escalation available and that we can not reverse it. They were dismissive and did not provide a case number. As a courtesy, XXXX marked the account balance as paid and closed the account, even though I did not submit payment. While I appreciate that, the tradeline still shows a charge-off, which is unfair and disproportionate for such a small balance. 

This single charge-off is causing me denials of new credit applications and higher interest rates, despite the rest of my credit report being in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I recently discovered that my XXXX XXXX XXXX account was reported as a charge-off for {$14.00} in XXXX  I only became aware of this about two months ago, when I started receiving denials on new credit card applications and saw a serious delinquency appear on my credit report. 

I immediately filed a complaint with the CFPB and, after that, contacted XXXX XXXX XXXX directly. I explained that I never received any billing statements or late notices at my address, despite my information being correct. Because I never received notice, I was denied the opportunity to pay the small balance before it was reported as a charge-off. 

XXXX representatives told me only that we mailed notices but refused to provide any proof of delivery. When I asked for escalation, they told me there was no further escalation available and that we can not reverse it. They were dismissive and did not provide a case number. As a courtesy, XXXX marked the account balance as paid and closed the account, even though I did not submit payment. While I appreciate that, the tradeline still shows a charge-off, which is unfair and disproportionate for such a small balance. 

This single charge-off is causing me denials of new credit applications and higher interest rates, despite the rest of my credit report being in good standing.

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 2025-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: NJ

Complaint narrative:
refinanced my loan with Loancare via loan modification which they approved. Upon their approval, they say mortgage was due on XX/XX/XXXX. I have made several attempts via email and phone calls to request with a new owner and where to send the payment. My emails have gone unanswered, and my phone calls has given me nothing but grief because they are unable to help me with the loan modification information. They said that is above their pay grade. After 10 phone calls Loancare is unable to assist me at all.

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 2025-08-27 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: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Late Dates XXXX2025 ; XXXX 2025. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthinessXXXX XXXX XXXX, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/scrub>XXXX XXXX I was informed by an Affirm supervisor that my request could not be processed due to a technical issue with my account. I was told Affirm was working on a fix, but no details or timeline were provided. 

Since then, several months have passed with no resolution, no updates, and no transparency regarding what the issue actually is or when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I called in a few months ago and tried to see my options. When talking to the agent and saying I would not be able to make a payment at that moment he started yelling at me and berating me about the debt. Saying why cant you just commit to {$50.00} right now. Why are you calling if youre not making a payment I contacted them again today via text chat and the agent XXXX was not being helpful. I asked for options to settle for less and she said if I dont accept their offer theyre just going to send it to court and Ill pay the full amount anyway. I was trying to work with them but I always feel like they refuse to help and just want you to feel bad about the position youre in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
We contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX for a loan modification as we were behind 1 month on our mortgage due to emergent medical expenses and unexpected home repairs of our water heater and heat/ac unit went out We were approved for a 3 month loan modification that we successfully completed and we are current now on our mortgage. XXXX XXXX reported that we were 90 days late, however, in the paperwork you can see there was not a 90 day gap anywhere in our payments and we were told that we would not be reported as late while we were in the modification. We have inquired with XXXX XXXX directly and they will not correct the error even though their own payment record shows no 90 day late payments. We would like to have this error corrected as it is in error and not 90 days late. We have also started to dispute these with all 3 credit bureaus and have contacted our local HUD office since there are laws that protect homeowners under modifications.

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 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Anytime I make a payment on the account they put a ridiculous hold on the payment after its cleared my bank, which means they have accepted the payment. They have not posted it to the account and released available credit, but they are collecting interest off of the the money received their profiting from the payment, but Im not able to access my available credit. This is a medical credit card and I desperately need to be able to access the full amount of the credit once the payment has been posted Now they have closed my account for no reason

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 2025-08-27 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: TX

Complaint narrative:
I noticed that my credit report continues to show inaccurate accounts, which were not deleted. Because of this, I am asking for a thorough review of the documents I provided so that I can be certain this problem will not happen again.

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 2025-08-27 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-08-27 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
We contacted Nationstar Mortgage dba Mr Cooper in XXXX for a loan modification as we were behind 1 month on our mortgage due to emergent medical expenses and unexpected home repairs of our water heater and heat/ac unit went out We were approved for a 3 month loan modification that we successfully completed and we are current now on our mortgage. Mr. Cooper reported that we were 90 days late, however, in the paperwork you can see there was not a 90 day gap anywhere in our payments and we were told that we would not be reported as late while we were in the modification. We have inquired with Mr Cooper directly and they will not correct the error even though their own payment record shows no 90 day late payments. We would like to have this error corrected as it is in error and not 90 days late. We have also started to dispute these with all 3 credit bureaus and have contacted our local HUD office since there are laws that protect homeowners under modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-27 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: IL

Complaint narrative:
my social security number is XXXX I paid my XXXX XXXX and I wasn't supposed to because it was XXXX XXXX and they messed it up but I did it anyway got a XXXX! and then I got a letter saying that the Coronavirus messed it up and I have to pay it again my business is XXXX XXXX and I sent im a XXXX ; and XXXX with a difference between the United States and XXXX. I don't want any problems just some XXXXXXXX XXXX please.

Company response to consumer: Closed with explanation