vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage company paid the wrong pin the first year of my mortgage. My taxes ended up being sold. They did an incorrect tax audit on my escrow lowering my monthly. Yet they applied my overage to principal and not the tax escrow. 
It took XXXX years for the taxes that were sold to get resolved by them. I have had multiple cases where no one is capable of fixing any issue that arises from their negligence. They then raise my monthly rate by {$850.00} a month since they did not have enough in the tax escrow to cover payment of the sold taxes. 
I sent them {$8000.00} this year to cover the shortage. But they have my escrow now estimated at over {$3000.00} a year more than my taxes ended bill is. 
I can never get my issues resolved in a timely manner and the representatives that I am able to speak with have no ability to fix any issues. 
This is all in reference to PHH mortgage company.

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 2025-03-19 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Hello, I use to live in XXXX, XXXX  and I joined XXXX  XXXX  in XXXX, XXXX. in XXXX, when I was moving to a different town that did not have this gym anywhere near, I called the gym I spoke to someone that sounded like a male teenager at the front desk. I let him know I will be moving and would like to cancel my membership he then said " no problem, you are all set ''. Months later, I receive an email notice from a law firm Aldous and Associates stating I owe them over XXXX dollars. Since then they have been harassing me via phone calls and emails. I spoke with them and told them there has to be a mistake I do not owe the gym because it was cancelled via phone, they got aggressive with me and said I should of read the small print on my gym contract. I told them even if the boy didn't cancel my gym membership there is no way I would owe over XXXX dollars. I requested for them to send me every charge in detail. This is not my debt and it is hurting my credit. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to XXXX XXXX with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively impacting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I am submitting this complaint against XXXX  for engaging in potentially fraudulent debt collection practices, including harassing calls, texts, and emails regarding an account that I do not recognize or recall opening.

Issue Summary : XXXXXXXX has repeatedly called, texted, and emailed me regarding an alleged debt that I do not recognize.

I am unaware of having an account with XXXX and do not recall signing any loan agreements or documents with them. 
The continuous communication from XXXX is disruptive, harassing, and could be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 
Despite my lack of knowledge about this alleged debt, XXXX  has failed to provide clear documentation or proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
MY LIFE HAS BEEN TAKEN AWAY FROM ME WITH THIS CRISIS OF IDENTITY THEFT AND HUMAN TRAFFICKING IM DEALING WITH. PLEASE HELP ME GET EVERYTHING BACK IN ORDER. IVE SUBMITTED ALL SUPPORTING DOCUMENTS FOR MY 605C.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: KEYCORP
State: OH

Complaint narrative:
my information was stolen and used to open a credit card account the card ending XXXX at key bank I spoke with a KeyBank accountant about this because I was not aware that this credit card was open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and XXXX XXXX XXXX ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXXXXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
As the Executor of the trust account associated with this account, I have the legal right and fiduciary duty to ensure that the information reported is accurate and in compliance with applicable consumer protection laws. 

To address the issue, I first opted out of the sharing of my personal nonpublic information with the company, its partners, and affiliates. As of [ Insert Date ], I rescinded my consent for the company to share any private financial data with third parties, including credit reporting agencies, in accordance with the XXXX XXXX. 

Following this, I demanded the immediate removal of the inaccurate late payment entries from my credit report. These entries did not reflect my true payment history and were causing harm to my financial standing. 

I gave the company 30 days to address both issues : To remove the inaccurate late payment entries from my credit report. 
To cease sharing my private financial information with third parties. 
Unfortunately, the company has failed to respond or resolve these matters within the requested time frame. As a result, I am now seeking your assistance to ensure that my rights are enforced and to compel the company to correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute promptly.

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 2025-03-19 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding discrepancies found in my credit file. Upon careful review, I identified accounts that do not belong to me. These errors are negatively impacting my financial prospects, and I request an immediate investigation. 
As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate or can not be verified. 
Please review these disputed items and provide supporting documentation proving their validity. If verification is not possible, I request their immediate removal.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: PR

Complaint narrative:
When I completed my XXXX XXXX I had {$16000.00} in debt that was forgiven through XXXX XXXX XXXX back in XX/XX/year>. After that, I took a parent loan to help my son with his education for {$19000.00} ( which was the only thing I owed to the XXXX XXXX XXXX since my loans were forgiven. I started repaying my loan XXXX years after and then XXXX came and it went into forbearance. When the forbearance was listed and I was supposed to start repaying, I received an email suggesting I applied a XXXX loan forgiveness, so I did. That's when the nightmare started, my account was transferred to XXXX and I was finally told that I didn't have enough qualifying payments. I started paying XXXX and I received an email from the XXXX XXXX XXXXXXXX stating my loan was going to be XXXX under the Borrower 's Defense and fraudulent activity from the XXXX XXXX. At that time, XXXX transferred my loan to XXXX. When I received Ed Financial 's bill, it was almost double from what I owed. When I did my research, apparently they consolidated the loan that was forgiven with the parent plus loan that I owed, I have been trying to provide evidence to Ed Financial of the loans I've taken ( which are listed in the student aid page ), the teacher loan forgiveness and the discharge and they refuse to take the information from me. They say it needs to come from the XXXX XXXX XXXX. I call the XXXX XXXX XXXX and they say they don't communicate with services. They sent the discharge notice to the incorrect servicer which is XXXX ( my original servicer ) I have almost XXXX on my credit report that don't belong to me, evidence of their mistake and no one to help me. Hopefully I can get some help through you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts keep showing up on my credit report that aren't mine. It's not even showing late payments or what is due. This keeps happening and it's feeling like they are scamming me all the time

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