vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
In XXXX, I went through a difficult period during COVID-19 with a reduction in hours and pay. 

Select Portfolio Servicing, the mortgage servicer, provided misleading information regarding my forbearance plan and kept telling me to wait for a response. At the same time, I received poor legal advice from my attorney, leading me to file a complaint with the Attorney Discipline Registry Commission. 

To make a long story short, after all the misinformation from Select Portfolio, I had to reach out to the investor, XXXX XXXX, to overturn Select Portfolio 's consistent denials, claiming the lender declined my modification. As it turns out, XXXX XXXX did approve my modification. I was doing well and finally managed to get my bills back in order after the failed legal advice. Now, I am requesting Select Portfolio to take the four payments behind and defer them to the loan end so I can start fresh in XXXX. I have a XXXX mother living with me, and she can no longer go upstairs to her bedroom to sleep, so I need to keep my credit in order to obtain a new loan to buy a ranch house to accommodate her XXXX. 

I have filled out a request for mortgage assistance, including : - XXXX and XXXX taxes ( XXXX taxes are not completed yet ) - Previous bank account statement from XXXX  - Three pay stubs - Hardship letter I do not have time for back-and-forth communication ; I need straightforward answers as I try to get my finances in order after a rough four and a half years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge Pite, LLP
State: FL

Complaint narrative:
XXXX XXXX in behalf of Aldridge Pite have fraudulently purchased debt securities under my name and social security number in efforts to collect a so-called debt. I have not authorized the sale or use of securities under my name or social security numbers.

Additionally, I am the original creditor in which i extended my Full Faith and credit as provide by the U.S. Department of State ( which i have authenticated documents of ).

the original loan documents were securitized and monetized fraudulently without my knowledge and consent. XXXX and Aldridge Pite have fraudulently filed court proceeding in attempts to collect this so-called debt.

A notice of dispute ; Demand for Validation and Proof of Claim were sent in this regard to XXXX XXXX but to no avail has she tried to furnish validation and proof of claim and yet continues to harass in attempts to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I ordered a credit report from CIC Credit for my client, XXXX XXXX XXXX and his wife. At the time of the report pull, my client had an open and reporting credit card account since XX/XX/XXXX. However, CIC Credit failed to include this trade line on the report, despite the fact that it was already reporting to the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX ). 

After noticing this discrepancy, I reached out to CIC Credit for clarification. They incorrectly stated that the account was not yet reporting, even though I confirmed directly with the credit bureaus that it was already in their system. 

To prove that CIC Credit had provided an inaccurate report, I paid for another credit report myself in XX/XX/XXXX, and the missing trade line did appearproving CIC Credit 's failure to provide accurate information in XXXX. 

Additionally, CIC Credit forced a second hard inquiry due to their own reporting failure, which was unnecessary and negatively impacted my clients credit score. When I requested a refund for the incorrect report and removal of the unauthorized inquiry, CIC Credit refused to take responsibility and did not take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting medical debt from appearing on consumer credit reports. This rule applies to ALL MEDICAL DEBT, regardless of the amount or payment status. Since then, I have submitted numerous disputes to all three credit bureaus to remove ALL medical bills from my reports. The medical bills were not only incurred while XXXX and XXXX fully insured me, but they failed to try to submit the bills to insurance before turning them over to collections. I have disputed these collections several times. Since my disputes began three to four years ago, a rule was passed in XXXX to remove all medical bills and collections from credit reports. But, even after the bills have been disputed the credit bureaus fail to do what the new law has established. I notified each original biller several times that I had medical insurance on file with them, and there is no reason why debts are being turned over to collections. All of my disputes for my medical bills get denied in under 24 hours. According to a federal law that passed in XX/XX/XXXX, I should not have to fight these companies to remove medical bills from my report. I have stated this in my most recent dispute. I was hoping that the credit bureaus would have handled this accordingly so that I would not have to submit this complaint. But these accounts were already disputed and removed when the first law was passed about medical bills under {$500.00} on credit reports. They were increased and then put back on my credit report again. This should not be allowed, and as of this date, is now illegal. Thank you for all of your help. 

XXXX XXXX XXXXXXXX Summary : XXXX XXXX XXXX ( XXXX XXXX Shown Here : Introduced in House ( XX/XX/XXXX ) Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. 

A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old.

A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports.

Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AmeriCollect
State: GA

Complaint narrative:
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting medical debt from appearing on consumer credit reports. This rule applies to ALL MEDICAL DEBT, regardless of the amount or payment status. Since then, I have submitted numerous disputes to all three credit bureaus to remove ALL medical bills from my reports. The medical bills were not only incurred while Medicaid and XXXX fully insured me, but they failed to try to submit the bills to insurance before turning them over to collections. I have disputed these collections several times. Since my disputes began three to four years ago, a rule was passed in XXXX to remove all medical bills and collections from credit reports. But, even after the bills have been disputed the credit bureaus fail to do what the new law has established. I notified each original biller several times that I had medical insurance on file with them, and there is no reason why debts are being turned over to collections. All of my disputes for my medical bills get denied in under 24 hours. According to a federal law that passed in XX/XX/XXXX, I should not have to fight these companies to remove medical bills from my report. I have stated this in my most recent dispute. I was hoping that the credit bureaus would have handled this accordingly so that I would not have to submit this complaint. But these accounts were already disputed and removed when the first law was passed about medical bills under {$500.00} on credit reports. They were increased and then put back on my credit report again. This should not be allowed, and as of this date, is now illegal. Thank you for all of your help. 

XXXX XXXX XXXX Summary : XXXX XXXX XXXX ( XXXX XXXX Shown Here : Introduced in House ( XX/XX/XXXX ) Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. 

A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old.

A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports.

Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MO

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

TransUnion I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

TransUnion has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly. has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
I requested cash app realease my funds XXXX XXXX XXXX XXXX and they declined. They won't give me any other information than, you can't use your card ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: TX

Complaint narrative:
I am a victim of identity theft where my personal information was bought and used by multiple companies to have me pay on a student loan with interest, despite being in deferment. Originally, I only signed a contract with XXXX XXXX, and I did not consent to my loan being transferred or sold to other agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXXXXXX

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 2025-02-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
Dear Experian, Equifax, and TransUnion, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. 

Sincerely, XXXX XXXX XXXX. 

These are the accounts that are fraudulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian, Equifax, and TransUnion, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. 

Sincerely, XXXX XXXX XXXX. 

These are the accounts that are fraudulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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