vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.
2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-03-16 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:
Hello Experian is still reporting the the XXXX XXXX XXXX XXXX XXXX  Account XXXX is still reporting this negative account on my credit report even after they verified it accurate but failed to even provide the correct documentation to show the account as accurate.

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 2025-03-16 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: The Receivable Management Services LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IN XXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau Name Credit Bureau Address City, State, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ).

Disputed Account Information : Account Name : XX/XX/XXXXXXXXXX/XX/XXXX/ receivable management XX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within 30 days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint with CFPB on XX/XX/year> but the reporting agency did not reply until XX/XX/year> and they gave the same results. They again did not furnish any information proving how the accounts were verified.

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 2025-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX, XXXX XXXX BANKRUPTCYS NOT RECOGNIZED BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISCHAR

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 2025-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX, XXXX XXXX BANKRUPTCYS NOT RECOGNIZED BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISCHAR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo had a charge off. They wrote off the balance on their taxes and got tax credit for it. They should have sent me my 1099C for cancellation of debt, but of course they did not. I am requesting a copy of the 1099C for my income. On my credit report you are stating I have a balance after you received a tax credit for it. I am going to charge you for statutory damages and report you to the IRS as well. Your report states I have a balance and in collections and charged off. I can not have a charge off and also be XXXX plus days late.

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 2025-03-16 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX **Inquiries** XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I sent various letters for midland credit management for proper debt validation as they are a debt buyer. I sent a letter XX/XX/XXXX received by them XX/XX/XXXX. They did not comply and give the appropriate documentation proving their legal authority to collect this debt or any documentation demonstrating ownership from the original creditor. All I received was the monthly statement from the original creditor. I sent three following letters, XX/XX/XXXX and XX/XX/XXXX. They have not given proper documentation to validate this debt and without validating the debt, they have no authority to collect. The repeated failure to validate the debt constitutes willful violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-03-16 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: PA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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 2025-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXX  XXXX XXXX sold our mortgage to Newrez Shellpoint Mortgage Servicing. In XX/XX/year>, I requested verbally and in writing the XXXX years of statements that were on XXXX  XXXX XXXX XXXX website along with the refund of last fees incurred. XXXX  XXXX XXXX stated that all statements, the late fee complaint, insurance or property taxes information. were turned over to Newrez Shellpoint. As of today, I have not received the statements or a response to the online requests. 

This is a statement listed on the website Please read : Reponses from our team can take up to 30 days to complete.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: LA

Complaint narrative:
My original loan was through XXXX. However, XXXX went out of business and I have found that System & Services Technologies Inc is supposedly collecting on behalf of Tally. Also did not consent to the sell of loan. I wouldve never taken the loan with XXXX had i known they were going out business amd this company would take over. 
I've tried contacting the company by email and responded back to their text messages, asking for help and assistance with this loan. Yes, I am behind on payments due to their lack of response. I will not pay any longer after finding they are not licensed in Louisiana. 

I reside in Louisiana and have for XXXX years. According to Louisiana regulations, any consumer creditor and debt collector must be licensed through the Louisiana Secretary of State. Per the XXXX database, SST is not licensed. 

I believe this company is shady regarding their collection practices and are in violation of Louisiana regulations. Therefore, I want this debt written off and removed from my credit report along with any negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint regarding an incorrect late payment being reported on my Capital One account for XX/XX/XXXX. I have maintained a flawless payment history since opening this account in XX/XX/XXXX, and this alleged late payment is entirely inaccurate. 

I contacted Capital One directly, and they confirmed that they received my payment on time. Despite this, XXXX is falsely reporting it as late, which is a clear and unjustified error. This misinformation is severely damaging my credit standing and impacting my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is legally required to conduct a reasonable reinvestigation when a dispute is filed. However, they have failed to properly verify this information, allowing a clear inaccuracy to persist on my report. Their negligence in handling this matter is unacceptable. 

I am demanding immediate corrective action to remove this inaccurate late payment from my credit report. I request that the CFPB investigate this matter and hold XXXX accountable for failing to uphold their legal obligations under the FCRA. This error is causing me undue harm, and I expect it to be resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection agency has engaged and false and misleading practices violating FDCPA 807 and provided misleading forms violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc
State: MT

Complaint narrative:
Canceled contract of semi i was buying at XXXX XXXX XXXXXXXX asked for chime card direct deposit XXXX  XXXX  preferred XXXX XXXX  XXXX XXXX  XXXX  account direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: ME

Complaint narrative:
MOHELA has developed a bad reputation among borrowers due to consistent issues with customer service, payment processing, and loan forgiveness programs. Many complain about long wait times, unhelpful or misinformed representatives, and a lack of accountability when errors occur. Borrowers have reported payments being misapplied, delayed, or incorrectly marked as late, leading to unnecessary fees and credit damage. Additionally, as the primary servicer for Public Service Loan Forgiveness ( PSLF ), MOHELA has been criticized for miscounting qualifying payments, delaying application processing, and providing inconsistent information that prevents eligible borrowers from getting their loans forgiven. Their handling of Income-Driven Repayment ( IDR ) plans has also been problematic, with reports of lost paperwork and incorrect payment calculations. On top of these issues, MOHELAs website and account management tools are often unreliable, making it difficult for borrowers to track their loans accurately. Overall, MOHELAs widespread inefficiencies and poor customer service have made it a major source of frustration for student loan borrowers nationwide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting correctly. Theres a late payment shows on this account name XXXX. Account number : XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments I am requesting you to investigate this account and delete the late payment 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